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General Discussion => Share Your Badassity => Topic started by: marty998 on December 23, 2014, 01:55:53 PM

Title: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2014, 01:55:53 PM
Come on guys and gals, spill the beans. How well did you do this year?

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

2012 - $295k
2013 - $419k
2014 - $534k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Angie55 on December 23, 2014, 02:15:05 PM
We started at 63.7k and expect to end at 147.5k. That's an increase of 83.8k. I have no idea how that was possible but that's what the numbers say.

This is huge for us since DH was unemployed from April to October and his "severance" was only 2 weeks paid. Also, we had negative net worth Jan 2013! (-26.8k to be exact).

I'm looking forward to 2015 where we will hopefully have two incomes all year again.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mxt0133 on December 23, 2014, 02:20:54 PM
2013 - $419k
2014 - $534k

These numbers are really close to my families numbers.  All contributions and investment gains, not property appreciation however.

It was a good year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: FIreDrill on December 23, 2014, 03:40:46 PM
This years numbers aren't final yet so they could fluctuate by a couple thousand. 


Here is my best guess as to where we will end the year according to Personal Capital.

2013 - $55k
2014 - $115k (Estimate)


NW jumped about 60k this year and we saved around 50-55% of our income.  Shooting for more next year!


SS
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sol on December 23, 2014, 03:57:24 PM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mxt0133 on December 23, 2014, 04:11:33 PM
To me investing is just one part of his message.  If the economy were to tank and investments took a nose dive I think his message on minimizing expenses and not tying one's happiness with stuff would still be a powerful message.

But time will tell and we'll have to wait until the next financial crisis. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ltt on December 23, 2014, 04:29:01 PM
I don't know, but it was fairly substantial.  I will say, though, we made $17k in the form of dividend income, ST & LT cap gains.  This is the highest we have ever made.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2014, 04:34:34 PM
We're up over 80% compared to last year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: yoga mama on December 23, 2014, 04:50:19 PM
When I discovered MMM in August, we were probably a few thousand negative... now we've made some good choices and according to Mint we are +$125K!!  Hoping to double that or more by next year!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 23, 2014, 05:49:01 PM
11/30/13: $468K
11/30/14: $605K
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: gecko10x on December 23, 2014, 06:03:40 PM
We are up 47% in 2014, after being up 50% in 2013.

Good year!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: plantingourpennies on December 23, 2014, 06:27:25 PM
Final numbers are not in, but it looks like we'll be up by about 198k this year, moving from 616k to 815. Numbers are for November time frame because December ain't over.


Balance sheet November 2014- http://www.plantingourpennies.com/pop-balance-sheet-november-2014/

Balance sheet November 2013- http://www.plantingourpennies.com/pop-balance-sheet-november-2013/

This has been a tremendous 5 years for accumulating wealth.

(ninja edit to fix link)

================================================

2015 Edit-

Balance sheet November 2015-http://www.plantingourpennies.com/pop-balance-sheet-november-2015/

We're up from 815 to 950, so maybe a 130k increase for 2015. Getting to FI seems predictable but the road is getting slightly boring at this point.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on December 23, 2014, 06:55:57 PM
I little over 200k over the last 12 months.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 23, 2014, 07:01:53 PM
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Gin1984 on December 23, 2014, 07:13:47 PM
Started with $16462, am at $26316.  Almost $10,000, pretty decent. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2014, 07:23:28 PM
2010: $615k
2009: $183k

That's a huge jump there. What happened?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 23, 2014, 07:32:22 PM
2010: $615k
2009: $183k

That's a huge jump there. What happened?

Revaluation of shares in an unlisted company (my employer). Really hard to get an accurate value on private companies due to being so illiquid.  The company was bought out by a listed group earlier this year - my carrying value was pretty close to my share of the acautl sale price. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 23, 2014, 07:38:51 PM
12/31/13:  $348,675
12/24/14:  $476,182

Increase, so far, of $127,507.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on December 23, 2014, 09:45:12 PM
2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Elliot on December 23, 2014, 09:53:25 PM
2012: -35k (estimate)
2013: -2k
2014: 32k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MrMathMustache on December 24, 2014, 04:05:12 AM
Making steady progress on a teacher's salary, and my real estate purchase in 2006 has actually held my net worth down.

2014: $422k
2013: $342
2012: $275
2011: $222
2010: $183
2009: $133
2008: $80
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mancityfan on December 24, 2014, 04:43:12 AM
2013 790k
2014 1360k

80% of our gains were due to 2 inheritances that we recieved this year after the death of two parents, So bittersweet indeed.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: europe on December 24, 2014, 06:37:04 AM
Wow, unbelievable how you guys are increasing your net-worth year by year...

12/2012: 0 (figures in Euro)
12/2013: 26.000
12/2014: 73.000

I hope, that I could hit the 100k mark by 12/2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 24, 2014, 06:59:35 AM
2012 - $219k
2013 - $315k
2014 - $418k as of today

Have been saving just over 80% of my income the past two years and it's making a big difference!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nate R on December 24, 2014, 07:01:20 AM
2012: -35k (estimate)
2013: -2k
2014: 32k

Congrats! Positive and climbing faster! :-)




For me:
Jan 2013: 5.9K
Jan 2014: 26K
Jan 2015: 42K  <--- Bought a $20K Car in February with a loan, and some other junk this year before I REALLY came to my financial senses in June. (Thanks, YNAB!)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Kansas Beachbum on December 24, 2014, 07:08:57 AM
We ended '13 with NW of ~$1.1M, will end this year at over $1.3M...a roughly 20% increase.  About $80K of that was additional savings, the rest increase in value of investments.  Numbers do not include ~$200K in PV of our pension annuities...which we hope to get as a lump sum from our former employer at some point...I'd rather manage those funds myself than leave them with a pension fund.  We'll see what happens with that. 

What ever holiday you celebrate, I hope it's wonderful!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MNM on December 24, 2014, 09:12:08 AM
Slow & steady.  2015 will give me the chance to save a lot more money and pay off the last 10k of my student loans.

Dec. 2012: 149,000
Dec. 2013: 228,000
Dec. 2014: 287,000

Discovered MMM in March of 2013, when the retirement balance was 164,000.  Up 123k since then.  Feels great. 

Age 42, and expect to reach FI sometime around age 50.  Wowza.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: trailrated on December 24, 2014, 09:34:29 AM
Guestimate without looking at Quicken

2013: 8k
2014: 72k

Raise, giant bonus, and a bit of a windfall, and awesome returns.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Elliot on December 24, 2014, 10:14:37 AM
2012: -35k (estimate)
2013: -2k
2014: 32k

Congrats! Positive and climbing faster! :-)




For me:
Jan 2013: 5.9K
Jan 2014: 26K
Jan 2015: 42K  <--- Bought a $20K Car in February with a loan, and some other junk this year before I REALLY came to my financial senses in June. (Thanks, YNAB!)

You'll have that loan decimated in no time!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sheepstache on December 24, 2014, 11:34:53 AM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.

Ha ha, I've thought that as well. Wish I'd known about it in 2009.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Calvawt on December 24, 2014, 11:47:48 AM
Impressive results!  We started at $330k and should be at $430k at year end.  $100k increase or about 30%.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Abe on December 24, 2014, 01:35:08 PM
Jan 2010 (first part time job): $5k
Jan 2011 ($50k salary): $30k
Jan 2012 (wife started working): $45k
Jan 2013 : $76k
Jan 2014: $123k
current: $172k (saved my entire salary!)

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 24, 2014, 01:58:32 PM
Dec 2013 - $210K
Dec 2014 - $327K

So 117K increase.  Getting there.  Made 94K in retirement contributions this year (17.5K for wife's 457, 25.1K for 2013 solo-401K, 40.4 for 2014 solo-401K, 11K for 2 Roth IRAs).  Kicking ass and taking names on that front.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Middlesbrough on December 24, 2014, 02:37:51 PM
May 2013 -15k (graduated college)
Dec. 2013 -3k
Dec. 2014 24k

27k for the year. Not to shabby. It feels good to be positive again since going to college about 5 years ago.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mbk on December 24, 2014, 05:23:34 PM
Wow! Very impressive numbers by everyone.

In my case,
2013 =  38k
2014 ~ 121k

An increase of roughly 83k for us this year. A combination of savings, market gains and real-estate gains. Still lot of potential in increasing the savings rate and hoping to do it in 2015.

 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Downtown on December 24, 2014, 05:57:13 PM
Increase of $236k - It was a great year!

Congrats to everyone on steady progress toward your goals!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Primm on December 24, 2014, 07:59:21 PM
I know it's selection bias, because the people that post here have made gains, and fairly substantial ones at that. Still it's awesome to see all the good work.

I'll throw my hat in the ring.

Jan '14: $68,837.56

Dec '14: $144,742.36

That's a gain of $75,904.80, or 110% if my schoolyard maths works correctly. :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: B L I S S on December 25, 2014, 06:28:57 AM
I'm 23 years old.

Beginning of 2014: -$15K
June 2014: -$21K
December 25, 2014: $-2K


This summer I had to take loans on to "survive," but after January 2014 I should hopefully never be negative again. Things are looking up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 25, 2014, 07:51:41 AM
Beginning of the year: ~19k
July 14th (last day before first paycheck after being unemployed): ~7k (value of my car)
End of 2014: ~25k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 25, 2014, 10:43:35 AM
Wen't from about $1.2M to 1.45M as of yesterday (paid off house not included in these numbers)

Frank
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Datastache on December 25, 2014, 12:05:01 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: plantingourpennies on December 25, 2014, 12:26:19 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.

No shame in your game. Trust me, the first 30k is the hardest!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 25, 2014, 12:57:26 PM
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)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 25, 2014, 02:37:35 PM
I'm up to about $20k now, from around $13k at the start of the year - about a 50% increase. Not particularly impressive by comparison to many of you, but I'm glad the trend is at least in the right direction (and accelerating). I'm planning on paying off my auto loan early, which will render me completely debt-free and save me a few hundred dollars' worth of interest. I'd like to at least hit $30k by this time next year.

No shame in your game. Trust me, the first 30k is the hardest!

Amen to that.. remember ALL of us started at less than zero at one point.. and not so long ago in my case!

Frank
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: kpd905 on December 25, 2014, 04:15:57 PM
Started at -$38k and should end at roughly +$24k.  For a $62k increase.  Lots of student loan payments accounted for that increase.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: valk001 on December 25, 2014, 05:04:50 PM
It is awesome to see everyones progress, Hell yea!

Here is mine:
Dec 2012- $3,534
Dec 2013- $34,033
Dec 2014- $88,493

Cheers,
Valk0011
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chasesfish on December 25, 2014, 05:23:33 PM

2011:  $323k
2012:  $470k
2013:  $716k
2014:  $898k

45%, 52%, and 24% over the past three years.   We were fortunate to pull off a really high savings rate in 2011, 2012, and 2013 combined with being almost fully invested in equities.   I see the countdown to $1mil going a whole lot slower
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Bikesy on December 26, 2014, 06:04:56 AM
2013: 44k
2014: 105k

I'm happy.  Income increased by 50% in July so next year should be better!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: johnsmithindustries on December 26, 2014, 07:47:18 PM
2011: -$22k
2012:  $10k
2013:  $46k
2014: $108k

Broke six figures, which was my goal for 2014.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 26, 2014, 08:10:36 PM
May 2013 -15k (graduated college)
Dec. 2013 -3k
Dec. 2014 24k

27k for the year. Not to shabby. It feels good to be positive again since going to college about 5 years ago.
Yay, someone else with similar figures to me!

23, single, started fulltime work as a teacher after 5yrs of uni at the end of 2013.

2013: -15k (25k of student loans/HECS)
2014: +16k (still 23k of student loan/HECS lol)

Gain of 31k :D
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: LivingTheory on December 26, 2014, 08:12:06 PM
You guys are rock stars! Very inspirational.

2010: ($18,000) [Student Loans]
2011: $25,000 [Got Married]
2012: $41,000
2013: $62,000 [Graduated - UCF]
2014: $108,000 [DW Graduated - UCF]

2015 will be our first full year as DINKs. Looking to max an HSA as well as both of our 401(k)'s and IRA's. Taking a hiking trip to CO might derail these plans slightly.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: tlsv on December 26, 2014, 08:51:49 PM
Increase in investments only...we also have a fully paid home worth approx. $500k

2011 - $222,825
2012 - $314,917
2013 - $448,196
2014 - $606,251
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: robotclown on December 27, 2014, 12:36:21 AM
Jan 2010:   -6000
Jan 2011:          0   
Jan 2012:  14000
Jan 2013:  34000
Jan 2014:  56000
Jan 2015:  91000

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BlueMR2 on December 27, 2014, 07:35:23 AM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.

Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts. It's easy to preach the joys of investing during a historic bull.

I don't have my final numbers together, but it was a much better year than 2013.  My wife was able to finally find some part time work (not much, but being some place earning money is positive compared to being home consuming money).  We were able to cut expenses more despite some totally off the wall unexpected expenses.  The market is doing well (although, I'm happy either way while working since I'm either making money or buying in cheap).

The downside is that since things *have* gone so well, I don't trust the math as much...  Sure, it *says* I should be solidly able to retire in 2 more (of our old average) years, but...

The good news portion though is that I do still really like my work, so I don't have any plans on retiring right quick.  It's kind of a good feeling knowing that if my job goes away that we should be OK even if we never manage to find work again.  Which seems like a possibility as I know skilled people in my field that have been out of work for 5 years plus now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KMMK on December 27, 2014, 09:55:33 AM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 27, 2014, 10:21:59 AM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rob in cal on December 27, 2014, 10:55:58 AM
   At the end of 2013 non real estate assets about 330k.
   At the end of 2014 non real estate assets about 385k.
   Much of the growth triggered by passive income, either from a loan repayment that I'm getting, business ownership income, or overall equities growth. 

   Home value probably went from 325 to 340k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Shamantha on December 27, 2014, 11:03:16 AM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 27, 2014, 11:26:59 AM
This is an inspiring thread both for seeing the people on the early parts of the curve making it happen and those that are close to reaching their goals. I bumped up about 21% this year, the lions share of which was aggressively paying down a 6% note on property (saved a lot by not going through a bank, with the associated fees would not make sense to refi as it is now so close to being paid down).

A more satisfying number for me is that the $ increase amount was roughly 3x my 2014 expenses (excluding note payments).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Maxsc2003 on December 27, 2014, 01:53:04 PM
8/2010 - $(16)K
12/2010 - $9K
12/2011 - $50K
12/2012 - $118K
12/2013 - $210K
12/2014 - $372K
Good progress so far, only 29...looking to be over $1M in 3 yrs by 32. $40K more when adding DW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KMMK on December 27, 2014, 03:11:38 PM
I'm personally up about $33,000 or 22% from last year.

DH is probably similar; haven't done all his numbers yet, and I have a harder time calculating his net worth increase as I'm not sure how to account for his pension through work as the exact amount he'll end up getting is unclear.
Is there a lump-sum payout option?  If so, can his work provide a "what if I quit today" and give you the lump-sum he would receive?  If so, that's the number I would use.

Yes, I believe there is. But he'd have to talk to HR or whoever about it, and I don't think I could get him to do so as it's not a priority right now as we're still a decade or more away from retirement. We keep our retirement planning separate so I stay out of his stuff for the most part - no nagging just for my anal tracking purposes. His numbers just stay a little vaguer than mine.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 27, 2014, 09:29:39 PM
2013 : 1040945 Investments

2014:  1202000 Investments

Net:  161055 Investments

Debt 3013:  25000

Debt 2014:  0

Real estate:  400000 paid off no increase in value known
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Unique User on December 28, 2014, 12:45:16 PM
Would doubt any real estate gains, but went from $747k last year to $874k this year.  Nice to see the numbers continue to go up!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bwall on December 28, 2014, 12:58:48 PM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

Why do you see any chance for figures like this? In the NL you can live easily without a car--no depreciation, no insurance, no gasoline which means huge savings. Also, rents are lower, I think.

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: savedough on December 29, 2014, 10:32:54 AM
I do not include personal property (cars) in my net worth calculations and have not adjusted our home value from the purchase price since 2011 because it is the amount guaranteed if I get relocated - though the market shows we should expect a value increase. 

That being said, we are +88K this year over 2013. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 29, 2014, 11:08:49 AM
2013: ~153k
2014: ~253k
House value not included.
Found mmm in January. Was a pretty damn good year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: gskong on December 29, 2014, 02:19:12 PM
Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 29, 2014, 02:40:35 PM
CONGRATS!!!!!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on December 29, 2014, 02:48:10 PM
This is an extremely rough estimate because I've only just started (ie this year) to track things from a holistic perspective:

Early 2011: ~75k
Early 2012: <100k
Early 2013: ~160k
Early 2014: ~200k
Now: 230k

Best increase was '12 to '13. It looks like a deployment basically doubles my savings rate. However, this year was impressive because it included paying for a wedding and several expensive trips (some were not optional).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frizzywhiskers on December 29, 2014, 02:59:08 PM
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!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: wild wendella on December 29, 2014, 03:27:07 PM
The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.

Also, there are plenty of people who don't really want to post their financial numbers online.  But for those who do,  there are some inspirational stories here.  Thanks!

Our NW showed a modest increase of 17.16% for the year, but the real win was paying off my revolving credit card debt.  So now I'm one step closer to being mustachian!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: HappyMargo on December 30, 2014, 04:58:33 AM
2012 = 100,875
2013 = 148,175
2014 = 218,925

2014 was a good year!
-got a new job with a 36% increase in pay.
-opened my first Vanguard account!  YAY!!
-put my frugal muscles to work mid-way thru 2014  & flexed to the tune of 64% saving rate.  Should've done that the full year!
-Hope to bump my savings rate up to 70-72% over 2015.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: alex trebeck's mustache on December 30, 2014, 06:31:20 AM
Age 32, Married, First kid on the way

2012: $74k
2013: $157k
2014: $289k

We had a great year. Networth IQ is a great place to track this sort of thing. Here is my profile:

https://www.networthiq.com/people/atl_programmer

That big bump is from selling some private company stock.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Kansas Beachbum on December 30, 2014, 08:07:56 AM
Dec 2011 $407,757.07
Dec 2012 $530,002.13
Dec 2013 $722,921.34
12/27/14 $1,002,104.27

Hit the $1M milestone on 12/27/14.  Wife and I celebrated at the local Thai hole-in-the-wall.  Good times.

Congrats on getting your second comma!  Well done!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: jesstach on December 30, 2014, 10:06:41 AM
Dec. 2012: -$4,000
Dec. 2013: $30,088 (discovered MMM August 2013)
Dec. 2014: $78,064
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 3Mer on December 30, 2014, 10:29:40 AM
Not entirely happy with the past year's net worth increase.  Last year (2013) has been my best yet.  2015 is going to be much better.   I claim my daughter (and thusly also head of household) every other year, and have started adjusting my withholdings to minimize my refund, investing the extra money throughout the year instead.  That is part of the reason for the high increase in 2013.  I also switched jobs this year, and so am not vested in my 401K match yet.

Here's my results:

Year End Net Worth      Increase
2014   $307,837.29   $31,960.66
2013   $275,876.63   $71,950.08
2012   $203,926.55   $49,937.80
2011   $153,988.75   $29,848.12
2010   $124,140.63   $44,556.50


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sheepstache on December 30, 2014, 05:15:34 PM
2012 $83,000
2013 $130,000
2014 $182,000

I kind of can't deal with my net worth more than doubling in two years. I only sock away about $26,000 a year so this is almost entirely the stock market's huge run up.

I actually worry now that when growth is more reasonable I'll get depressed and lose motivation.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 30, 2014, 08:27:54 PM
I am at 330K.  My numbers for this year so far:

$14,200 debt -- paid off (the debt was a car loan and a 401K loan -- now I only owe my mortgage)
$30,000 in two 529 plans, funded
$16,000 in 401K plan, funded (I need to catch up to the full $17,500, and will asap -- just miscalculated re bonuses)
$17,000 in 401K plan, matched by employer (they give a full 10% match, but not on bonuses)
$10,000 in mortgage principal, paid off (I paid the regular amortization plus $100 or more toward principal each month)
$5600 HSA funded (older son's braces are now paid off, baby!)
$4000 employee stock purchase program (for every 85 shares I buy, employer gives me 15)

Not bad for a goddamned single mother.

Well done! Kudos to you
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on December 30, 2014, 10:15:10 PM
Really has taken off during this bull market for most, eh?

It can't continue because everyone would be multi millionaires at the current levels of market returns.

15% a year for 10 years is 4x your money.  If you have a portfolio today of $1mil at age 40 you would have $4mil at age 50 with no more contributions.  Not going to happen IMO.  If it does happen, expect class warfare from those who are not invested in the markets.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ShoulderThingThatGoesUp on December 31, 2014, 06:39:05 AM
Not much of a change because we put some money into making 2015 a banner year - bought a smaller house that we're putting some fixes in to, etc.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on December 31, 2014, 08:32:29 AM
If I'm just looking at my investment accounts (no house or checking/savings accts.), here's my end of year numbers:
2012: 1.4k
2013: 16.3k
2014: 17.0k

No much of an increase this year in that regard...but I did take out some money to buy a house. So if I include all my assets:
2012: 19.5k
2013: 41.8k
2014: 57.0k

Looks a bit better. Hopefully I'll breach 80k of total assets by the end of 2015. 100k by end of 2016.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: JD_ on December 31, 2014, 03:12:19 PM
Great thread.... Always encouraged by the progress and success of others here.....

Here's our figures, including value of our home (purchased in 2012). 

Oct 2010: -$9k   
Dec 2012: $80k
Dec 2013: $209k
Dec 2014: $323k

-JD
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 3Mer on December 31, 2014, 06:34:47 PM
Wow! That's a huge jump from 2013's year end to this year's.  Nice work!

2009: $100K
2010: $152K
2011: $208K
2012: $298K
2013: $445K
2014: $705K (as of 12/23/14)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2014, 07:31:26 PM
My 2014 net worth increase is equal to my gross annual pay.  Does that mean I lived off gains in my investments?

If so, "Hello, FI.  Nice to meet you!"
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Frankies Girl on December 31, 2014, 08:16:35 PM

Yeah, I was disappointed by the downturn today too. I would have been fine with it in January, just hated ending the year on a downer.

My net worth (just investments/cash holdings) increased $151K. It wasn't all market growth; sold my dad's house and my cut of profit was $43K, so total investment growth was just under $110K, but that is wonderful and I'm quite pleased overall.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 31, 2014, 08:53:00 PM
I was a bit disappointed today as well, but the good news is that I deferred all but 99 cents of my December paycheck ($5460) to my 403b, and it will land in an equity index fund while the market is low.

My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Primm on December 31, 2014, 08:58:09 PM
My increase in net worth for 2014 was still $125,092.

As Cherry Lane said, this increase was more than my gross income--does this imply FI?  I think I need a refresher about the definition of FI...

Anyway, hope you all have a great 2015!

I would say that depends. Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc? I'd exclude the former to decide whether you are FI.

But that's just me, others may have different ideas.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 31, 2014, 09:12:25 PM
Does the increase in your NW include what you saved to it for the year, or just the increase in your investment from capital gains, interest, dividends etc?

Yes, it does. 

I'll figure out what the growth was without the contributions, and see if that covered my expenses for the year.  Thanks.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: AlexK on December 31, 2014, 09:42:09 PM
It's really amazing to see the compounded returns in action!

my numbers:
investments=$660k (up $168k in 2014 and my salary is only $80k)
total NW=$782k (up $171k in 2014)

investments/expenses = 35 so a big facepunch for me if I don't fire the boss this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on January 01, 2015, 09:49:15 AM
2012 - $219k
2013 - $315k
2014 - $418k as of today

Have been saving just over 80% of my income the past two years and it's making a big difference!

Update: Ended 2014 at $420k in investments (excludes house, car, possessions).  I'm running my portfolio analysis (Vanguard portfolio watch and Morningstar X-Ray) and getting my 2015 investment plan in place today.  FI is getting closer :) 

Inspiring to see what other's are doing!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 01, 2015, 09:53:33 AM
Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?

We fully paid off our house in 2014.  During 2013 and 2014 we made a total of $150,000 in extra lump sum payments on our mortgage to pay it off early.

A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on January 01, 2015, 10:58:49 AM
Update: Ended 2014 at $420k in investments (excludes house, car, possessions).

I know there are other threads on this, but why why why would you exclude your house in your net worth?


I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 01, 2015, 01:41:16 PM
I'm on this forum because I want to FIRE.  The value of my car, furniture or a house are not part of the equation for me.  As mentioned in another thread, some of us equate 'net worth' with our stashe, rather than the textbook definition.

So you paid cash for your home and never had a loan?

If you did have a loan on your house, did you deduct the full loan from your net worth but not the value of the house? (and thus start with a very negative net worth?)

People who rent can't FIRE?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RFAAOATB on January 01, 2015, 02:11:39 PM
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


Condo was assessed at 138k when we bought it early 2013.  I haven't checked to see its value since so kept it pegged there.  Paid ahead on mortgage so it's down to 117.8k.  Maxed out Roth IRA past 3 years and just started pre tax retirement at work.  2015 is looking to be a more expensive year with less income so am trying to come to terms with slower growth.  Hopefully it won't take another 18 years to get into the millionaire's club.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NonprofitER on January 01, 2015, 03:05:46 PM
We had our financial awakening in November 2013, so we're still new to improvements but careful budgeting and monthly net worth tracking has really helped.  Hoping the ball moves faster as we pay off the last of our hair-on-fire student loans this year and early 2016.

Dec 2012: $ -27,300
Dec 2013: $75,200
Dec 2014: $131,096 - it may well be higher as our home value has grown substantially, but I prefer to leave the value at a conservative constant for now.

We'd like to end 2015 close to $189,000. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sol on January 01, 2015, 03:55:51 PM
A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

Yes, your net worth dropped and so did your expenses.  You effectively spent part of your net worth to reduce your ongoing housing costs.

For the purposes most often discussed here, "net worth" refers to invested assets that can generate profits for you to use as living expenses.  Your house only does this if you intend to sell it, at which point you will have new housing costs.  In this way it's no different from any other cost-saving purchase, you've spent money up front to save money in the future.  But you've still spent the money today, so your net worth goes down today.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: kudy on January 01, 2015, 06:19:05 PM
78k on the last day of 2013 to ~122k on the last day of 2014.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 01, 2015, 06:21:05 PM
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: aj_yooper on January 01, 2015, 07:37:32 PM
We are up 14% on the portfolio for the year.  Feeling good about that as we made no contributions-retired.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 01, 2015, 08:03:46 PM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 01, 2015, 08:22:56 PM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.

I don't know if this is the case for you, but the longer you go the more your YOY returns will look like the overall market's since your contributions get swamped by your returns (an excellent problem to have).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: sidfinch on January 01, 2015, 08:55:20 PM
First post on the boards for a long time lurker. This post finally inspired me to jump into the commenting game.

Net worth in 2013  26.4K
Net worth in 2014  60.3K

Taking baby steps, but I finished grad school in 2013, and based on the extreme student loans law students carry, was stoked to end in the positive. This year only included working full time for me from mid-march, so our goal for next year is 100k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cecil on January 01, 2015, 09:06:25 PM
End of year net worth figures:

2006: $20k
2007: $44k
2008: $68k
2009: $97k
2010: $126k
2011: $158k
2012: $202k
2013: $310k
2014: $419k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: vrichard on January 01, 2015, 11:07:20 PM
I've been keeping track for quite a few years - I'm an accountant but still calculate this my own way!  Here's mine:

8/18/03   380K
8/17/04   480K
8/17/05   574K
8/17/06   644K
8/19/07   772K
8/18/08   810K
8/19/09   882K
8/19/10   1034K
8/19/11   1152K
8/18/12   1250K
8/18/13   1580K
8/18/14   1851K
12/31/14   1971K

I am 48, but have a 12 children (lots of dependents).  I hope to help them through college, etc. (though I recognize this is debatable within this community).  I enjoy work and think I will keep at it for many years, but I would feel much less stress having the children raised and on their own and being FI.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: HappierAtHome on January 01, 2015, 11:49:04 PM
Roughly 70k, which is almost as much as my take home pay. Hopefully in 2015 my net worth increase will be greater than my take home pay!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 02, 2015, 01:16:34 AM
8/18/03   380K
8/17/04   480K
8/17/05   574K
8/17/06   644K
8/19/07   772K
8/18/08   810K
8/19/09   882K
8/19/10   1034K
8/19/11   1152K
8/18/12   1250K
8/18/13   1580K
8/18/14   1851K
12/31/14   1971K

I am 48, but have a 12 children (lots of dependents).  I hope to help them through college, etc. (though I recognize this is debatable within this community).  I enjoy work and think I will keep at it for many years, but I would feel much less stress having the children raised and on their own and being FI.

Wow. I'm impressed by these numbers, assuming you don't rake in an absurd salary!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: vrichard on January 02, 2015, 01:24:53 AM
About $250k per year - probably not all that impressive.  Just try to maximize the employer match in 401k.  Been trying to put more into Roth 401k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 02, 2015, 01:30:00 AM
About $250k per year - probably not all that impressive.  Just try to maximize the employer match in 401k.  Been trying to put more into Roth 401k.

Well, you're still saving despite having the runaway compounding train barrel down the tracks, so good for you. Also, 12 kids? That has to be pricey.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: clifp on January 02, 2015, 04:01:50 AM
It was crazy good year for me.  Overall net worth increased by 14.95% even though I'm retired.  Schwab says my portfolio was up 14.5% My largest individual stock holding are Berkshire Hathaway and Intel which were up 28/43% respectfully. I had double digit increase in my house and rental properties.  I also have been invested in small company (aka Angel Investing). A couple companies have gone broke, several are on life support,and the jury is out on the rest. But fortunately the one I in invested the most in also did the best.  Paying out a dividend this year which exceeded the investment amount, and the initial shares I bought are up 400%.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ToeInTheWater on January 02, 2015, 05:11:30 AM
our net worth rose ~240k (~17%), part from investment gains, part from increased savings / mtg payoff.

b


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: londonbanker on January 02, 2015, 05:29:41 AM
12/31/2011 - $212k
12/31/2012 - $337k
12/31/2013 - $984k
12/31/2014 - $1,621k

I have benefited from the stupid RE appreciation of central London over the past 2years, being very / very leveraged, and spending slightly over $150k in renovation work. The rest is a combination of saving rate (great salaries) and being very lucky on both our companies stock options and RSU's

I dont anticipate this rate to continue. I'd be happy with a $200k increase per year going forward (75% of which from savings, 25% from investment appreciation)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: TheNorwegianGuy on January 02, 2015, 05:40:51 AM
Dec 2011: - $6.700  (-46K NOK) (Still a student)
Dec 2012:   $2.400 (17K NOK) (Started working august)
Dec 2013:   $18.000 (128K NOK)
Dec 2014:   $55.000 (390K NOK)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chuckaluck on January 02, 2015, 06:14:03 AM
From Dec 2013 to Dec 2014, net worth increased by 180000.00. 

Would have been more, but I semi-retired in Dec 2012, and had huge expenses the past several years (private college for 2 sons, major renovations, promised European vacation to wife (1st ever), etc. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ioseftavi on January 02, 2015, 07:44:47 AM
12/31/2012: $23,402   
12/31/2013: $123,484 
12/31/2014: $246,979

2015 will be a pretty cool year - first full year we have no SL debt.  Lots of goals set for ourselves!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 02, 2015, 10:17:20 AM
Up 24% for 2014. Quite a disappointment compared to 2013's 51%, but pretty great nevertheless.

I don't know if this is the case for you, but the longer you go the more your YOY returns will look like the overall market's since your contributions get swamped by your returns (an excellent problem to have).

Aren't you right about that! I'm so tickled to see the posts with >100% gains. They remind me of mine when I first wised up about money. Good times. As is now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Scrooge on January 02, 2015, 11:16:25 AM
I'm starting to cry when I see your results. 7th year in the making, having started with a very meager salary I'm only now beginning to pick up noticeable pace. Increase in income has been the biggest factor. Investments haven't contributed too much in this endeavour yet. Then again, I'm living in a country where taxation is unbelievably high.

Increase from last year, about 24,5% with a savings rate of 62%

12/31/2013: $114,000
12/31/2014: $142,000
Expected 12/31/2015: $175,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rob in cal on January 02, 2015, 11:24:47 AM
Scrooge, just be patient.  Even starting with a smaller income than most on this forum your capital will start to take on a life of its own.  Thats whats happening to me.  I'm actually working about 7 hours a week less than I did 10 years ago, and my real hourly wage is probably 10-20% less per hour than it was 10 years ago (less deliveries per hour due to a more and more spread out delivery area, and more and more traffic), and yet due to passive income from previous savings, I'm making more and more per year due to this passive income explosion.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Scrooge on January 02, 2015, 11:38:16 AM
Scrooge, just be patient.  Even starting with a smaller income than most on this forum your capital will start to take on a life of its own.  Thats whats happening to me.  I'm actually working about 7 hours a week less than I did 10 years ago, and my real hourly wage is probably 10-20% less per hour than it was 10 years ago (less deliveries per hour due to a more and more spread out delivery area, and more and more traffic), and yet due to passive income from previous savings, I'm making more and more per year due to this passive income explosion.

Yep. Patience indeed is the key in this game. It's just incredible to see the differences in income between different countries combined with some rather low living costs. It's not putting me off of course. It's pretty hard to choose where one is born :) All is well, and getting better. I know that 2021 is the year (will be 40 then) when I can officially retire at the latest, even if the investments would do poorly. In the next three years my passive income will make about 40-50% of my living costs, so I'm certainly not doing bad in any objective sense. I guess, looking at your figures peeps, I'm just feeling "relatively poor" ;)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: cam513143 on January 02, 2015, 06:00:46 PM
Numbers are small but I've got plenty of time!  I started tracking in 2010 (senior year of high school, woohoo for starting early!)
2010:  $11,895.00
2011:  $28,960.71
2012:  $23,531.05
2013:  $15,533.54
2014:  $19,645.85

^I know that looks ridiculously volatile, but my income fluctuates drastically depending on when I'm in school/when I'm working.  Most of the savings in 2011/2012 were from working my ass off, unfortunately I wasn't able to start investing much until somewhat recently, due to needing cash elsewhere.  Long story short, wanted to share some small numbers!  Still positive gain this year, even though I'm a full time student so I'm happy.

More importantly, my net worth might not be high, but I'm still proud of some other things:
1)  Never paid a dime in credit card interest.
2)  Same for student loans, and will graduating debt free in August.
3)  Have a Roth IRA, 401k, IBA, and a college fund for my son. :)

Might not have the cash, but priorities and determination are just as important!  Also, commence face punches if I should have different/additional retirement accounts.  Still learning!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on January 02, 2015, 08:23:11 PM
12/31/2011 - $212k
12/31/2012 - $337k
12/31/2013 - $984k
12/31/2014 - $1,621k

I have benefited from the stupid RE appreciation of central London over the past 2years, being very / very leveraged, and spending slightly over $150k in renovation work. The rest is a combination of saving rate (great salaries) and being very lucky on both our companies stock options and RSU's

I dont anticipate this rate to continue. I'd be happy with a $200k increase per year going forward (75% of which from savings, 25% from investment appreciation)
Damn, that is impressive.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on January 03, 2015, 09:53:07 AM
Didn't do too well this year. Mainly due to poor investment choices before discovering MMM and a pay cut at the old job.

1/2010 - $15,000
1/2011 - $30,000
1/2012 - $45,000
1/2013 - $65,000
1/2014 - $90,000
1/2015 - $105,500
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Emilyngh on January 03, 2015, 12:43:23 PM
I thought I'd chime in too with my less-impressive-than-many-others' posted net worth increase in case it helps to encourage others who may feel like their numbers aren't stacking up:

2014: $157,000
2015:$177,000

So, only about a 13% increase.   About half of that is from investment gains and about half from contributions. 

*But* we are currently in a stage where we're only saving about 25% of our net income b/c DH is SAH with our your DD, we're living off of my income, and we're in the last year of paying CS for my step daughter.   Our savings will ramp up starting in the next year or two when CS ends (even with helping with college) and DH will probably start working at least PT.   

So, on one hand, I see the crazy gains here and feel like we're crawling along.   On the other hand, our net worth increase is almost half of my take-home pay for the year, even with DH SAH, which is pretty darn mind-blowing when I think about it.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: brooklynmoney on January 03, 2015, 01:10:54 PM
Just did the #s today. Increase of about 21% y-o-y. I'm happy with that. The absolute number is quite high, in the six digits.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NW Girl on January 03, 2015, 04:57:57 PM
Jan 2014:  $1.1 mil
Jan 2015: (almost) $1.3 mil 

Savings rate in 2014 was just a little more than 50%.  I'd love to get it up to 60% but it will be tough as our incomes have gone down slightly in the past few years, but our children continue to want to eat.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NW Girl on January 03, 2015, 05:04:09 PM
Oh…and our net worth is as high as it is only because of an investment property that we purchased ridiculously low just out of college (10 years ago) before we knew any better….and in a total fluke has risen like crazy.  Without the property our net worth is in the high 600s.  Kudos to everyone who is plugging along……and especially those just getting their net worth into positive territory.  It gets easier!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Shamantha on January 04, 2015, 06:41:15 AM
Wow, these amounts are mindboggling. I am from The Netherlands and do not see any chance for figures like this... The more I read this blog the more I realise the differences, and how my road to financial independence may take longer. Will get there though!

Why do you see any chance for figures like this? In the NL you can live easily without a car--no depreciation, no insurance, no gasoline which means huge savings. Also, rents are lower, I think.

The numbers you read here are what one posted described 'selection bias'--those who did poorly or even lost money aren't too likely to want to post those numbers.
Slightly off-topic I fear, but to go into a bit more detail: I feel that we have a slighly more regulated society financially with more social security but as a result a smaller proportion of our income to do with as you wish (which is confirmed by some US colleagues). Wages are lower than in the USA, and we pay up to 52% tax, with housing prices still very high despite a correction since 2008. Rent is also very expensive if you earn slightly more than the median wage, from 20% of your income on low wages to 40% for median wage. Public transport is OK in and between cities but if you live in the countryside you really need a car, and gas is a lot more expensive than in the US (but in the countryside you have a lower rent/mortgage). But cars here are efficient compared to the USA and can be found very cheap, so this is not what makes the difference.

With the high amount of mandatory income tax, social security, old age pension, healthcare etc. the income left to save from is (as I see it) lower than in the USA. Would be nice to have a bit more freedom in that, especially for the retirement options. Is there already a thread for non-USA mustachians where we can discuss further?

Back on topic: I have been paying off my mortgage with 33.000 euros per year in the past 3 years, so I count that as a 100.000 euro increase in my net worth (house value did not increase). First target is to become mortgage free in 2018. Slowly starting with investing in index trackers so that by the time I will have more money to invest I will have a bit of experience with that.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lithy on January 04, 2015, 10:55:50 AM
Our few years of serious progress started with the purchase of a house.  For the sake of my household accounting, I was counting the mortgage as a liability but not counting the value of the house as an asset.  Numbers listed are at year end.

2012 ($44,938)
2013 $1,855
2014 $50,869

We had our first child in November of 2014, so our expenses will go up, but trying to keep expenses normal, and the goal is to pass 100k by the end of 2015.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on January 04, 2015, 04:09:15 PM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: h2ogal on January 04, 2015, 06:38:36 PM
Question for those of you who posted NO net worth decrease during the major 2008-2009 recession...how did you do that?!?


I've been tracking my personal net worth monthly since 2006.  I exclude my house, which is recently paid off because I don't consider it an income generating asset,  Here is my progress chart for December of each year:
2006 - 149892
2007 - 145100 - Changed jobs and lost $30k in uncashed options which coincidentally dipped at same time.
2008 - 102270 - market downturn - didn't sell anything...at one point during the year it got as low as 75K :-(
2009 - 158241
2010 - 194971
2011 - 219649
2012 - 288069
2013 - 397428
2014 - 511000

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: JohnGalt on January 04, 2015, 09:21:50 PM
My net worth increased by 4 years and 8 months of goal retirement expenses.... I like that better than an actual dollar amount.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: givemesunshine on January 04, 2015, 09:56:48 PM
Smallish numbers so far -

2010 - $26,000
2011 - $39,000
2012 - $54,000
2013 - $71,500
2014 - $129,100

Happy with my progress (55% increase!) the result of better focus, better pay and MMM. Not expecting such a big jump this year (hoping for $35-40K plus interest market gains - so maybe $45-50K this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on January 04, 2015, 10:06:17 PM
Up $210k in 2014 which is about 10%.  My investment choices were sub-optimal for sure - BUT we had eggs in lots of different baskets.  On Jan 1 I generated this graph and posted in my journal - interesting to see the build up over time.

I'm really impressed with some of your numbers. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Badass by 41 on January 05, 2015, 01:13:41 PM
We just found MMM in Q1 of 2014, so we didn't get our act together until April.  Given that, here's where we netted out in 2014.

04/01/2014 - $632k
12/31/2014 - $824k

So +$192k in 2014.  Of that, $84k was cash savings and ~$108k was appreciation&ROI so ~19% return in the last 8 months of the year.

Happy New Year!

:: Edit- Typos ::
:: Edit - I thought those numbers looked off.  Recalculated based on beginning of April. ::
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 05, 2015, 02:25:23 PM
December 2013:  $43,800
December 2014:  $70,200

A $26,400 increase, up 60%, with a 40% savings rate for the year.  Hoping to keep that savings rate up this coming year, but with a lower income, so how much our NW changes will be up in the air.  Pretty proud of these numbers, my husband and I got married this year, so a lot of changes we bumped through while making steady progress.  Realistic goal of $93,000 stretch goal of nice round $100,000.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: neophyte on January 06, 2015, 08:13:17 AM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 06, 2015, 08:28:04 AM
year   Net worth   increase   notes
2000    (12,450)      moved to the states
2001    26,337     38,787    
2002    35,124     8,787    bought a house!!
2003    39,356     4,232    
2004    61,587     22,232    
2005    83,819     22,232    
2006    102,206     18,387    
2007    130,159     27,953    
2008    130,667     507    increased as the market dropped!!
2009    183,772     53,105    House at max val - started paying off consumer debt..
2010    222,549     38,776    
2011    228,475     5,926    
2012    215,030     (13,445)   only decrease - unemployed for 5 months, moved to florida. House had dropped 100k in 3 years!
2013    357,849     142,819    good investment returns. Took profit. Bought new house outright.
2014    415,417     57,568    big european vacation - and found MMM
2015    ???     100k ???     100k is a big target… but who knows.. Now at the mercy of the markets!


The average is now close to 30k per year since I started tracking it - but accelerating. A few tough years but I think thats called life.

with the stuff I've been learning on MMM I expect to be killing the last of the consumer debt and maxing out the 401k this year - the rest of the 100k target will be down to the investments in the market - and we are not off to the greatest start ever in 2015 but I keep reminding myself that this is ok as I'm still buying...
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: aj_yooper on January 06, 2015, 08:31:47 AM
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.

To me, your numbers seem good:

You spent $9783 in 9 months so your annual spend is $13044 per year with net worth increase per year of $11795 (at $8846 for 9 months).  So you banked close to your expenses this year, if your spending and saving was straight line for the year, which means you probably have a very high savings rate. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 06, 2015, 08:33:22 AM
$14,536 in Jan 2014 to $33,987 in Dec 2014. First full year as a Mustachian! Can't wait to see what happens in 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: clutchy on January 06, 2015, 11:08:56 AM


2014 was great but 2013 was better.


2014: $339,325  Change: $89,775
2013: $249,550  Change: $125,992
2012: $123,558  Change: $37,923
2011: $85,635    Change: $49,893
2010: $49,893   

The reasons for the slowdown; market was decent but not as good.
Large job transition that was pretty disruptive to our savings rate and we also bought another house.  I tend to carry the houses at cost until I start losing credibility when they appreciate significantly over how I have them valued.

expectations: Picked up 2 rentals in 2014; one earlier and one later.  I expect that to have a significant effect going forward.  Salary keeps going up, but we keep having large events that interfere.  I'm hoping 2015 will be a good standard year so we can get a firm baseline.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 06, 2015, 03:21:19 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 06, 2015, 06:36:44 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mochila on January 06, 2015, 08:07:12 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?

Ah, but this thread's about 2014, now preserved in amber.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 06, 2015, 09:12:09 PM
Considering that the market is down 4% or so from the new year, everyone needs to recalculate :-)

No kidding. But, maybe a good time to buy some exxon while they are low, eh?

Ah, but this thread's about 2014, now preserved in amber.

Yes yes, it is just curious that 5 days can wipe out 30% of a year's gains.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ImproveEveryday on January 09, 2015, 03:40:57 PM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 09, 2015, 04:40:55 PM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!

Going from negative to positive is a huge milestone, like the extra energy needed to change 32 degree water into 32 degree ice.

edit:  Got that backward.  It takes a lot of extra energy to change ice into water but only a tiny bit of energy to raise the temperature after that.  Ok, it was a silly analogy, but grats for getting out of debt!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 09, 2015, 04:46:20 PM
A simple decision to move money from 2% bonds to pay off a 4% loan means our net worth dropped by $150,000?

Yes, your net worth dropped and so did your expenses.  You effectively spent part of your net worth to reduce your ongoing housing costs.

For the purposes most often discussed here, "net worth" refers to invested assets that can generate profits for you to use as living expenses.  Your house only does this if you intend to sell it, at which point you will have new housing costs.  In this way it's no different from any other cost-saving purchase, you've spent money up front to save money in the future.  But you've still spent the money today, so your net worth goes down today.

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 09, 2015, 04:51:41 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 09, 2015, 04:58:41 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: FIPurpose on January 09, 2015, 05:29:08 PM
2013: $11k  (graduated college)
2014: $68k

Wife recently got a really nice pay raise with a really nice job. I hoping to hit about $150k by the end of this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Zaga on January 09, 2015, 07:25:55 PM
2012 NW increase ~$51,000
2013 NW increase ~$76,000  (about our take home pay, the market was good to us this year!)
2014 NW increase ~$43,000

2014 wasn't as impressive as the previous 2 years, but it's still our third highest increase since we got married in 2007!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Cottonswab on January 09, 2015, 09:34:32 PM
2014:    $250k
2015: > $145k
2016: > $    ?k
2017: > inflation = Likely FI cruise control!
2018: > inflation = Fo shizzle FI cruise control!!!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Fruchtwein on January 09, 2015, 09:36:52 PM
09/2014: 0.- EUR
12/2014: ~14,000.- EUR
12/2015: >75,000.- EUR (planned)

We started our journey to FI last year in September.


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dude on January 13, 2015, 07:47:31 AM
hmm, haven't done the full NW calculation yet, but my 401k alone increased by $52K this year, and from now through the next 5 years, @$31K will going in annually (max deferral + catch-ups + match) to mine.  Also got the wife maxed out on hers now, so another $21K or so/year going into hers, for @$52K annually combined.  That should move the needle a little bit. Currently @ $638K combined balance.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: KES on January 13, 2015, 08:10:24 AM
1/1/2014: 135,000
1/1/2015: 185,000

Most of the increase is due to Zillow inflating the price of my home, actual increase in investments was about 17k.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 10:27:55 AM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.

Sol's argument is based on being able to provide a source of income after FIRE. Yes, you can see some sort of return on a house, but the only time it becomes income is when you sell the house. By ignoring assets such as primary residences, it helps determine how much income you can expect to generate after FIRE.

If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 13, 2015, 11:09:30 AM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on January 13, 2015, 01:44:19 PM

I disagree completely. The money wasn't spent. It was put into a super illiquid investment. They haven't "spent" anything.

Not really that illiquid since it is a requirement for our plans that we sell our house in 2015.  Thus every dollar we put down on the 3.625% loan was like buying a 1 year CD with a 3.625% return  (we don't itemize taxes).  It was a 100% safe investment paying off our loan since we would owe that money at closing in 2015 anyway.   I shifted more of our investment portfolio from bonds to stocks to account for the paydown of the home loan.

I was trying to make the point that you guys didn't spend any money and that a house is an investment (with incredibly poor returns). And arguing that you should absolutely include it in your net worth. Just because something is in your NW doesn't mean it has to be income generating. You can put it in your mattress and lose it to inflation and it's still part of your NW. The other guy's argument was just stupid.  Now, if he was saying there are reasons to calculate your NW without a house to gather certain information, then that's different.

Sol's argument is based on being able to provide a source of income after FIRE. Yes, you can see some sort of return on a house, but the only time it becomes income is when you sell the house. By ignoring assets such as primary residences, it helps determine how much income you can expect to generate after FIRE.

If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.

Nobody here is silly enough to do that. Safe to assume most are tracking 2 net worths - a sum total of everything including the house, and a second one for size of the income producing 'stash.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 02:16:35 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: eyePod on January 13, 2015, 02:36:49 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule

Right? I understand Runge's point. He stated it very well.  Sol was acting as if the money disappears once even though it's principal. Definitely not true.

I guess we just need to be clear about what we intentend to use this "NW" calculation as. I like to think of it as "this is all the assets I've accrued."

But Runge, you're absolutely right that you need to be wary of this # for FIRE calculations, or if you're going to use it, you'll have to assume that you sell the house and will be renting instead. I'd hope that someone who's going FIRE would think about this but who knows.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ozzage on January 13, 2015, 04:14:11 PM
My net worth and my "stache" are different numbers. My net worth includes money towards a deposit for a house, and will one day (probably, if we ever get around to actually buying one) include that house's value. That's net worth. My net worth also includes my emergency fund.

My stache is just my investment assets, and that's what I base my 4% on. No house, no emergency funds.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Beric01 on January 13, 2015, 04:47:10 PM
I a little more than doubled my net worth in 2014, saving ~66% of my net income. A very good year. Next year should be even better.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.

Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 05:05:26 PM
Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.

0% bonds don't generate any income  (10 year Treasuries are paying about 2% which equals inflation which means they pay nothing).

Are you saying someone who had 70% of their portfolio in the stock market and 30% in 10 year treasury bonds only really has 70% of what they think they have for income generation?

You should go over to Bogleheads and make a post on how their bond portion of their portfolio should not be included in their SWR income calculations.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 05:25:42 PM
If your house is worth 300k, and your stock market investments are worth 700k, you can only use returns from the 700k as income after FIRE. Assuming a 4% SWR, your income on 700k is 28k/year. If you're basing your SWR calculations on a NW that includes your house, then you would incorrectly calculate your income as 40k. That's a huge difference, and if done wrong can be extremely detrimental to your FIRE plan.
.

If you have a $300K house and your stock market investments are worth $700K, then yes, you can calculate your income as $40K with a 4% SWR.   If you have valued your house correctly for your net worth calculations (subtracting selling costs and other fees) then it is just an illiquid item in your portfolio.  It would be somewhat similar to a low yield bond fund that just keeps up with inflation (in most cases).  You can always extract the value out of your house and place that cash in the stock market.  Your expenses would go up but we are talking income.

Think of it another way.  What if you retired at 40 and had $300K in a 401K?  Further, what if you had that 401K invested in TIPS yielding right around 0% real?   Would you include this money in your portfolio, stache, net worth?  You can't get to it for 20 years (there are ways, but there are also ways to get money out of a house).

You need to think of all of your money and assets as one big pot which you apply the 4% SWR rule

I respectfully disagree. I don't treat my primary residence as an investment with respect to my FIRE income. As ozzage stated it, my "stache" is different from my textbook NW. Maybe this is all simply a misunderstanding of terminology, but my stache is what I'm going to be living off of after I retire.

If we look at it from another angle...say my house is worth 700k and I have no mortgage. My liquid investments are worth 300k, and my target FIRE amount is 1 million. Would you seriously suggest that I pull 40k/year out to live on? If so then I must pull from the equity in my house (read pay interest). This means that I'm effectively negating any kind of growth the in the value of my home.

To simplify it, lets assume that my home value keeps pace with inflation at 3%, while the HELOC that I just took out is charging me an interest rate of 3% (which I believe in today's market is pretty good). Whoops...I just negated any growth in my house because now I'm paying the bank to make the equity in my home liquid. I now have effectively 700k (or whatever the size of the heloc is) stuffed under a mattress in cold, hard cash.

That leaves me with the typically assumed 7% growth on the 300k liquid investments, which equates to 12k/year in this case.

Unless I'm missing some fundamental flaw, the math does not add up. Please let me know if I'm mistaken. I'll gladly eat crow if I'm wrong.

Until then, I believe the proper way to prep for FIRE is have a paid off house and ignore primary residence equity in your FIRE income calculations. If your house is not paid off, then you need to account for that in your FIRE income calculations, i.e. treat it solely as an expense.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Beric01 on January 13, 2015, 05:32:15 PM
Uh, no you can't. A house doesn't generate income, so you can't "withdraw" anything from it. It may reduce your expenses, but it doesn't generate income unless you're renting out rooms.

0% bonds don't generate any income  (10 year Treasuries are paying about 2% which equals inflation which means they pay nothing).

Are you saying someone who had 70% of their portfolio in the stock market and 30% in 10 year treasury bonds only really has 70% of what they think they have for income generation?

You should go over to Bogleheads and make a post on how their bond portion of their portfolio should not be included in their SWR income calculations.

Bond are part of a mixed portfolio of stocks and bonds. When stocks are down, the bonds can be sold to buy more stocks, re-balancing the portfolio and ultimately increasing your returns. Bond of themselves aren't contributing to 4% withdrawal, but when combined with stocks in a proper portfolio they are.

I haven't see any mention of people selling half of their house to buy more stocks when the market is down, but if they do I might be willing to include the house as part of their SWR.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 13, 2015, 05:37:27 PM
Also,

There's this thread that talks about this exact topic:
http://forum.mrmoneymustache.com/investor-alley/swr-4-and-4-of-what/
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on January 13, 2015, 09:47:22 PM
One of the posters in the other thread (Sherr) got it right.  This is what I was trying to convey.

"If you want to include the house in your investments and take 4% of your total net worth, then you can, but then you need to increase your real annual expenses by however much it would cost you to rent. That is another fine way of calculating, if your home is an investment then it is generating the amount that you could rent it for each month, and paying off your imaginary rent to live in the house each month.

What you cannot do is include the home in your investments and compare your investment amount to your real annual expenses. If you are you are double-counting the value of your home; once in reducing your expenses by not having rent / mortgage, and once by counting it among your income-generating investments. That's just bad accounting, not to mention not what the 4% rule research is based on."
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 13, 2015, 10:07:50 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Runge on January 14, 2015, 06:34:33 AM
One of the posters in the other thread (Sherr) got it right.  This is what I was trying to convey.

"If you want to include the house in your investments and take 4% of your total net worth, then you can, but then you need to increase your real annual expenses by however much it would cost you to rent. That is another fine way of calculating, if your home is an investment then it is generating the amount that you could rent it for each month, and paying off your imaginary rent to live in the house each month.

What you cannot do is include the home in your investments and compare your investment amount to your real annual expenses. If you are you are double-counting the value of your home; once in reducing your expenses by not having rent / mortgage, and once by counting it among your income-generating investments. That's just bad accounting, not to mention not what the 4% rule research is based on."

If that's what you're trying to convey, then I agree with you. :D
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 14, 2015, 06:39:07 AM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.

You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ak907 on January 14, 2015, 07:51:56 AM
2012: $222K
2013: $285K
2014: $341K

up $56K 2013-14
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 14, 2015, 07:57:45 AM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dude on January 14, 2015, 08:16:53 AM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.

Agree with NICE! here.  They may fiddle with certain things like the chained CPI for COLAs, eliminating the SRS for some future FERS annuitants, and such, but a wholesale change, especially for the military, would be pretty unthinkable.  I'm FERS LEO, and I'm pretty sure they won't fuck with LEO pensions and benefits too much either, but if they do, I'll survive.  I calculate my pension's rough worth by using my expected annual annuity at retirement as a baseline, then dividing by 0.04, which gives me the whole dollar amount I'd need in a retirement account to safely draw 4%.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 14, 2015, 12:49:21 PM
You can use the DFAS High 3 calculator to give you a rough estimate.  It will be SLIGHTLY high since the numbers are running off of 2010 and the lowest annual raise they allow you to calculate from that point is 2% (and we all know that hasn't happened the past few years).  The chart at the bottom will give you a look at what it's worth pre tax going out 5-40 years.  But yes, assuming he didn't take the 15 payout out it's probably over a mill for his lifetime.  We did a run down of the hubs and with what he "expects" to retire at would be around 1.5 over 35 years.  We don't add this into our NW though, and probably never will, since we all know how the government is, and probably will, continue to look at ways to trim that down.  We don't want to rely on something and then have it not be there.  We are running FIRE on our own money and if his pension is there...gravy, we can live off of the monthly payout and not have to touch our investments for a while (and then we can have A LOT of fun in retirement lol).  He's got 5 more to go though before he hits his 20.

I respectfully and 100% disagree with this viewpoint. By the time they start truly cutting military pension costs we'll be worrying about other things. Military personnel are a sacred cow and any recommendations for changes in the pension (or Social Security for that matter) include grandfathering current beneficiaries. Furthermore, I am connected with the office in one of the services that recommended cuts to benefits to avoid other cuts. I was told that the Congress basically treats anyone that has 10+ years in as untouchable as far as future benefits are concerned (obviously this does not include reductions in force). Anyone under 10 years time in service can pound sand - they'd be ready to vote for pension changes for people under that point.

This is like a discussion I often have with a friend - preparing for a complete portfolio collapse. If that happens it means we're in such a bad depression or political/social crisis that we will be worrying about putting food on the table or staying alive. That's where we'll be before your pension ever gets a serious look.

So, yeah...Go ahead and add to your NW that $1M annuity that has the full faith and credit of the United States Government behind it. If you don't believe in that, I question how you include any other American asset in your NW.

Agree with NICE! here.  They may fiddle with certain things like the chained CPI for COLAs, eliminating the SRS for some future FERS annuitants, and such, but a wholesale change, especially for the military, would be pretty unthinkable.  I'm FERS LEO, and I'm pretty sure they won't fuck with LEO pensions and benefits too much either, but if they do, I'll survive.  I calculate my pension's rough worth by using my expected annual annuity at retirement as a baseline, then dividing by 0.04, which gives me the whole dollar amount I'd need in a retirement account to safely draw 4%.

I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 15, 2015, 02:34:53 PM
I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.

But, since you're on the MMM website and in all likelihood not a huge spender, this pension could presumably pay for all, more than, or just a bit less than your FIRE expenses...right? So if this pension can cover that, how is it anything but a HUGE investment in TIPS/T-Bills?

SBP is a choice and a monthly expense, not something that effects the value of the annuity (pension). If you're worried about this going up, that goes on the expense side of the equation.

Also, Tricare rate raises? I hope you're kidding, the raises have been a joke. It pisses me off so much that they won't defray some of the costs onto comparatively rich retirees (often with another job/income) more than a couple of dollars. This is exactly why I don't give money to any of the active duty or veterans' lobbying groups. Furthemore, like SBP, this goes on the expense side of the ledger, not income.

Finally, even if you think it will lose to inflation, you can treat it as $1m in a high-yield savings account...Or something along those lines. Again, it is an annuity backed by the full faith and credit of the US government. If you don't buy that then neither your home nor your stocks/bonds should be part of your NW.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 15, 2015, 03:15:55 PM
I don't for a second think they will do away with it totally, and I do believe he will be grandfathered...HOWEVER, look at what was passed (then retracted) just this past year, a reduction in COLA for working age retirees, originally with NO grandfathering.  I just will not add it into the NW calculation because if things like Tricare rates, SBP rates, lower or no indexing to inflation occur and we are basing our FIRE NW off of a number that includes X (which involves promises over decades) and it really turns out to be Y and we don't have money to make up that difference...well then we are screwed.  Better safe then sorry in my book.

But, since you're on the MMM website and in all likelihood not a huge spender, this pension could presumably pay for all, more than, or just a bit less than your FIRE expenses...right? So if this pension can cover that, how is it anything but a HUGE investment in TIPS/T-Bills?

SBP is a choice and a monthly expense, not something that effects the value of the annuity (pension). If you're worried about this going up, that goes on the expense side of the equation.

Also, Tricare rate raises? I hope you're kidding, the raises have been a joke. It pisses me off so much that they won't defray some of the costs onto comparatively rich retirees (often with another job/income) more than a couple of dollars. This is exactly why I don't give money to any of the active duty or veterans' lobbying groups. Furthemore, like SBP, this goes on the expense side of the ledger, not income.

Finally, even if you think it will lose to inflation, you can treat it as $1m in a high-yield savings account...Or something along those lines. Again, it is an annuity backed by the full faith and credit of the US government. If you don't buy that then neither your home nor your stocks/bonds should be part of your NW.

If the pension is there, yup, the estimates say it could pay for all of our expenses when he retires.  Simply because Tricare rates haven't raised significantly in the past, doesn't mean they won't, in the future.

Yes SBP is an expense, one that could go up in the future, so it is an "unknown" variable over the course of 40 years (if we opt for it, we may not), just like taxes are.  I think we will see a tax hike sometime in the future of our lives, which could also lessen the pension and stock value. 

We will not ever count the pension in our NW calculations, based on past history of various cities and states, and watching the supposed promises the state gave my parents in regards to their pension wither away, I don't have faith that people, now, and in the future, won't vote to alter that "promise"...kind of like how they changed it from Free Medical for Life, to Champus, to Tricare, to increased copays and retiree cost sharing.  I still find the medical a ridiculous value, and it's one of the main reasons he stays in, but I don't for a minute believe that the promises in place today will remain the same 20-30-40 years from now, heck they may change in the next year when the Commission report comes out.  They may not...but that's not a sure thing.  We don't believe in leaving the fate of our future up to the whims of other people.

There is also no guarantee (though with his specialty it is HIGHLY unlikely) that he will be able to make it to the 20 year mark with the massive layoffs that are occurring in the military.  We know a number of people that were planning on retiring and having their pension in 5 or 6 years, and didn't save a lot, and now they are out of jobs, with very little in the way of savings...starting over from the ground floor instead of enjoying luxury in retirement.

Plan for the worst, hope for the best.  I'd rather have our estimated 1.5 mil in the investment accounts plus a paid off house when he retires.  If the pension is there gangbusters!  We will live the grand life, and travel a lot in retirement while being able to give back more to the community then we had originally planned for.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 15, 2015, 11:16:26 PM
If you're not at 20 years yet then I completely agree, it isn't part of the NW. BUT it is the day you hit 20. Again, medical & SBP are expenses. You project them on the expense side of things, not NW or income.

Again, full faith and credit of the US Government as a guaranteed annuity. You stocks and bonds are far riskier and I don't see how that is even a discussion. Even if you combine all of the possible sky-is-falling factors that you're mentioning, you probably still have a pension that pays close to your monthly expenses. Good job saving, I'm doing it as well, but you can't pretend like the military pension isn't most lucrative and guaranteed annuities in existence.

Would you include an annuity you bought in your NW? I'm guessing yes, even though Bank X is a million times riskier than what we're talking about here.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 11ducks on January 16, 2015, 02:16:45 AM

Dec 2013 -$33,6000 (35k owed in student loans, $1400 in savings)
Dec 2014 -21k ($25,500 student loans, $4500 in savings)
Plus I spent more than 6k on unexpected medical bills in 2014

Am aiming for a net worth of about zero by December 2015 v (lofty goals!), and $30k by December 2016. I cannot wait to make that last student loan payment and be out of debt! 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: chuckaluck on January 16, 2015, 05:52:10 AM
You WILL do it!  Just keep at it.  Keep thinking of that day.  And when it happens, you'll be very proud of yourself --- as well you should be!  Please keep us informed of your progress.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ash7962 on January 16, 2015, 09:03:13 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ak907 on January 16, 2015, 09:55:28 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!

Huge increase, you must be making some great changes!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: rpr on January 16, 2015, 10:07:57 AM
It is so good to read all the positive stories. In my case my NW divided by annual expenses ratio went up from 10 to 12. That means two more years saved. Hopefully it will reach 25 in the next few years.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: ash7962 on January 16, 2015, 11:10:43 AM
All of your NW increases are so inspiring!  Here's mine:

12/31/2013 - 36k
12/31/2014 - 95.5k

So just shy of a 60k increase.  That is a wonderful present!  I found MMM in May and really started changing things in June, so maybe I can do even better this year :).  Here's to an even better year for everyone in 2015!

Huge increase, you must be making some great changes!

Thanks, its not all because of changes actually.  I also got my first sizable bonus in Jan of '14 which I did not spend much of.  More luck than anything because I had no real concept of saving/investing (it was more I just didn't have anything to spend it on or I couldn't imagine spending so much at once).  Although after that bonus I felt like I should at least be doing something with all that new cash which is what ultimately led me to MMM.  This year's bonus is already being put to better use, so hopefully I'll still see an increase in how much my money grows even though I got the same bonus as last year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: iris lily on January 16, 2015, 11:15:51 AM
I won't have final figures for some weeks, but this is pretty close:

$160,000 was our gain this year
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: v10viperbox on January 16, 2015, 11:21:25 AM
33 / M

Investment growth
45,000

Real Estate.
105,000-150,000

Savings
85,000

Not bad year. Had myself in very risk adverse investments in the market though, and I bought another house and had to get a old truck to replace the one that died.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 11ducks on January 17, 2015, 02:56:23 AM
You WILL do it!  Just keep at it.  Keep thinking of that day.  And when it happens, you'll be very proud of yourself --- as well you should be!  Please keep us informed of your progress.

Thank you :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on January 17, 2015, 06:29:53 AM
New here and thrilled to have discovered such a community.

My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year. Our weakness is travel though and we did a fair bit in 2014 but truth be told, we also spend a reasonable amount on misc stuff that added nothing meaningful to our lives.

It is clear that we could be better using our money to generate additional income. At the moment we have almost all of it parked in savings accounts earning a measly 4% because we will likely need most if not all of it when we purchase a home - hopefully this year. On a positive note, with our savings and current low interest rates, the repayment on our home should be considerably less than our current rent.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 17, 2015, 09:01:16 AM
Jan 2014: -$25k
Jan 2015: $3K

Not as impressive as many posters here, but for me this is huge!

You now have that interest treadmill working with not against you... don't underestimate how significant your hard work was in 2014! You can now start to enjoy the power of compounding!

My NW for 2014...

Jan 1 2014:  $67,000
Jan 1 2015: $100,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nords on January 17, 2015, 02:18:21 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades. 

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: James on January 17, 2015, 02:43:07 PM
2014 was definitely a banner year for investments, and our savings we added to the investments were also great since we downsized our house in 2013, though still not what it could be.


I had a couple realizations in the last few months that I enjoyed. First, I realized we were around half a million net worth. (probably over, but I like to be conservative in things like house value) To me that is a mile stone that snuck up on us. For years I was worried about our large house with underwater mortgage, and hadn't realized how the compounding nature of our investments were allowing us to build up net worth despite our other financial issues.


Second, I realized our net worth has grown to the point that the growth in investments is starting to outweigh the additions we make to investments. That is definitely true this year, the growth is greater than out contributions. Psychologically this was positive reinforcement for the investments we have made over the years, and comfort to know even if we had to stop investing we could retire in around 10 years when the kids graduate from HS, even if we never added another penny to the accounts. At some point we can stop worrying about investments and watch growth take over. Since I enjoy my job, we enjoy travel, we might help the kids with college, etc, I will probably keep working as long as I enjoy it. But the option of early retirement has never seemed to be so real, and we are getting that much closer to having the FU money that provides the peace of mind I desire.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 17, 2015, 04:59:48 PM
We discovered MMM this summer and so have really been focused on killing our non-mortgage debts... up by 28% from our 2013 numbers for a whopping 312K but most of that was getting rid of a stupid car and its loan.  I can't wait to see what we can accomplish in 2015 with focus on maxing out our TSP's and Roth accounts.

The other "force multiplier" for us is that DH passed the 20 year threshold in his military service, and so his pension is locked in.  That was huge!   The value could vary by bits but he earned it, and its ours.  I'm not really sure how to reflect that in our NW calculations, or if it is just less that we need in the NW for our 4% SWR.  Right now, I don't have a value assigned to it, but it sure would be awesome to add it to our calculations with a Net Present Value.

It depends on DH's rank, but that pension is probably worth a million or more in NW.
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

I really like the way you put this Nords!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dunhamjr on January 17, 2015, 11:02:38 PM
2013 ~$255k
2014 ~$306k

I am new to MMM, so hopefully my self inflicted face punch will get my ass in gear to make that number jump much closer to $100k for 2015.

But in my defense we did also pay off about $65k of "debt" in 2014 as well.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 18, 2015, 08:14:26 AM
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

It seems like you're really saying the same thing I'm saying. Like me, you're considering it to be a guarantee, while Siobhan is focusing on hypothetical changes that will, at worst, nibble at the margins. If anything's safe, it is that pension. The second someone starts questioning the pension, I'll question the heck out of stocks, bonds, and real estate. I still assert that we're talking serious social issues before we're talking major changes (IE enough to seriously change your FIRE spending) to the military pension for retirees. Token increases to Tricare are a joke...And belong on the spending side of the equation, as does SBP (insurance - you can't tell me that car or life insurance should be subtracted from NW). And PS they need to make retirees pay more for Tricare - I don't want rich retirees putting active benefits at risk, nor do I want them pulling more from the taxpayer than they need.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Fletch on January 18, 2015, 08:38:59 AM
NW end of 2013: $40k
NW end of 2014: $56k

$16k increase- not too bad!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: horsepoor on January 18, 2015, 08:46:01 AM
Off the cuff guesstimate for just my own retirement accounts and debt reduction:  $45,500.  Amazing when I write that down.  Does not include getting out of the underwater 6.375% mortgage on our old house (juuuuust managed to squeak out enough equity to sell without bringing money to closing), husband's investments, or any appreciation on our current home.  Adding all that in might bring us to about $80-90K up for the year (!) 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: tomsang on January 18, 2015, 08:53:05 AM
2013 ~$255k
2014 ~$306k

I am new to MMM, so hopefully my self inflicted face punch will get my ass in gear to make that number jump much closer to $100k for 2015.

But in my defense we did also pay off about $65k of "debt" in 2014 as well.


Paying off debt increases your net worth. Net worth is assets minus liabilities.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Siobhan on January 18, 2015, 10:29:56 AM
I'd count a military pension as cash flow, not an addition to net worth.  For starters it's awfully hard to sell (if not downright illegal) and for another nobody would give you what it's really worth.

But if you want to put a number on it, you could start with the equivalent monthly income that you'd get from a portfolio of I bonds.  They're paying 1.48% for another few months (https://www.treasurydirect.gov/indiv/products/prod_ibonds_glance.htm) but they get the same COLA and they're exempt from state/locality taxes.  It's not a very good analogy, but it's close enough.

http://the-military-guide.com/2011/03/17/present-value-estimate-of-a-military-pension/

Oh, and remember to adjust that calculation for the Survivor Benefits Plan.  I'm not sure how to do that, but you could hypothetically stretch out that cashflow for many decades.

It seems like you're really saying the same thing I'm saying. Like me, you're considering it to be a guarantee, while Siobhan is focusing on hypothetical changes that will, at worst, nibble at the margins. If anything's safe, it is that pension. The second someone starts questioning the pension, I'll question the heck out of stocks, bonds, and real estate. I still assert that we're talking serious social issues before we're talking major changes (IE enough to seriously change your FIRE spending) to the military pension for retirees. Token increases to Tricare are a joke...And belong on the spending side of the equation, as does SBP (insurance - you can't tell me that car or life insurance should be subtracted from NW). And PS they need to make retirees pay more for Tricare - I don't want rich retirees putting active benefits at risk, nor do I want them pulling more from the taxpayer than they need.

Nice, I'm not questioning the pension, we are simply not relying on it in our future planning since there are a large number of unknowns going forward 40 years that are completely out of our control.  With stocks bonds etc, you have control to sell and stuff your cash in a mattress if that's your thing to maintain NW.  With a pension, you don't have that option.  All I'm saying is a pension shouldn't be calculated as a part of NW because there is no way to put an accurate number on it and a large possibility of that value changing over the years.

Frankly active duty should be paying for Tricare too if they have families. I can see it free for the soldier but we should be paying for spouse and dependent coverage while active. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: SaintM on January 18, 2015, 12:24:51 PM
+$200k. Went from $1.79M to $1.99M.

Will have $2M by the end of this month.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NICE! on January 18, 2015, 02:26:31 PM
Nice, I'm not questioning the pension, we are simply not relying on it in our future planning since there are a large number of unknowns going forward 40 years that are completely out of our control.  With stocks bonds etc, you have control to sell and stuff your cash in a mattress if that's your thing to maintain NW.  With a pension, you don't have that option.  All I'm saying is a pension shouldn't be calculated as a part of NW because there is no way to put an accurate number on it and a large possibility of that value changing over the years.

Frankly active duty should be paying for Tricare too if they have families. I can see it free for the soldier but we should be paying for spouse and dependent coverage while active.

Those same unknowns are far worse when it comes to stocks and bonds. There's also a large possibility of the value of stocks and/or bonds changing over the years. All of these unknowns and/or changes are infinitely larger when talking about the markets as opposed to the pension.

Completely agree on the Tricare side. In fact, I support rank-indexed premiums for all active duty unless they are deployed or assigned overseas. There's no reason an O-6 can't throw down a small monthly premium (let's say a few hundred a month) for very generous health care. Start it at the E-6 and O-1 levels respectively, then increase based upon rank/pay.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Freedom2016 on January 18, 2015, 06:48:04 PM
2011: +67k
2012: +30k
2013: +203k
2014: +353k

2015 should be +150-200k. As a basically self-employed person we have "feast or famine" cycles in my industry which explains the vast differences between years.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 19, 2015, 01:47:17 AM
Estimated 97k increase. My company switched 401k providers mid-year and I didn't go back to the beginning of the year to get a starting amount. I just used my contributions + company match for that part of the calculation.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: fartface on January 19, 2015, 11:33:11 AM
Net Worth

1997: $13,385

2000: $87,890

Had three babies and didn't track the stash between 2001 - 2004

2005: $240,000
2006: $308,000
2007: $325,000

2008 - 2009 CRASH lost my records on an old computer hard drive, but I'm secretly glad I can't find these numbers - know they were terrible

2010: $383,000
2011: $512,000
2012: $585,000
2013: $650,000 +DH FIRE'd @ age 43 & I found MMM

2014: $755,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Ambergris on January 20, 2015, 10:07:43 AM
Lots of people with really impressive, big changes this last year or so. I'm a single person, earning <70k for most of this time, so mine is not so impressive,  but here we go:

Dec 2012: 353197
Dec 2013: 477301
Dec 2014: 521288

So nice, but only about a 44k increase for the last year. Can't say I'm complaining, though :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: wing117 on January 22, 2015, 07:47:01 AM
Almost to the six figures, but not quite!

Jan of 2013: -$8,200
Jan of 2014: $34,101
Jan of 2014: $80,405 (So far)

46.3K increase. Not bad!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on January 22, 2015, 12:39:17 PM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Laeklar on January 22, 2015, 01:29:24 PM
I agree about student loans... :(

Net Worth 12/27/13: -$343,441
Net Worth 12/26/14: -$279,390

Net worth improvement from end of 2013 to end of 2014: $64,051... Only 4+ years to go to hit $0 net worth if I keep on my current trajectory... *sigh*
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mm1970 on January 22, 2015, 01:59:31 PM
Hm.
2013: $1.69M
2014: $1.92M
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 22, 2015, 03:22:09 PM
I agree about student loans... :(

Net Worth 12/27/13: -$343,441
Net Worth 12/26/14: -$279,390

Net worth improvement from end of 2013 to end of 2014: $64,051... Only 4+ years to go to hit $0 net worth if I keep on my current trajectory... *sigh*

Yikes that's a lot of student loans. I hope you have a good career out of it. Good job on churning on working them down, though. Keep it up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dunhamjr on January 22, 2015, 05:23:28 PM
Paying off debt increases your net worth. Net worth is assets minus liabilities.

yeah i screwed up.  i was posting up numbers just from my investment accounts.
i just moved over to mint (nov/dec) and dont really have much in the way of accurate net worth numbers.

mint is telling me my net worth Jan 2015 is $532k.
i will have to be sure to watch this so i can make sure it hits at least $632k next year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: LiveLean on January 23, 2015, 01:44:57 PM
Net worth up 20 percent in 2014 despite one of worst years income wise ever. (I've been self-employed since 1999). Combination of stock market appreciation and hitting a home run on a foreclosure that will be a rental property/second home for now and a future FIRE home when I'm not living in a Sprinter Van.

Of course, I spent far more time than usual in 2014 on my investments and assets, which contributed to lesser year of income. I plan to take the same approach in 2015.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: anz.sp on November 16, 2015, 01:16:59 AM
All amounts in AUD. Moving to a low tax country two years ago helped the savings rate significantly. Also I took 6 months off work in 2015.

2012: 312k
2013: 432k
2014: 678k
2015: 818k (as of Nov 1st)


Sent from my iPad using Tapatalk
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Feefers on November 18, 2015, 08:27:04 PM
New to the forum!

Jan 2014: $3,500
Jan 2015: $16,000
Nov 2015:$57,800

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CanIndian on November 19, 2015, 09:36:23 AM
Nov 2011: -15,000 (debt -35,000)
Dec 2012: 1,000 (debt -30,000) hit positive NW.
Dec 2013: 10,200
Dec 2014: 48,500
Dec 2015: 90000 expected
Moving to a developed country from a developing one mid 2013 and hitting the 6 figure GAI benchmark immediately afterwards helped raise the savings rate and NW higher.

So the increase of 41500 for 2015 is the highest NW increase for me, as has been the norm for mostly everyone on this forum.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: stacheasaurus on November 19, 2015, 10:54:02 AM
Pretty new to the forum! 

Jan 2015: -11.5k
Nov 2015: 2k

increase of $13.5k!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 19, 2015, 11:14:17 AM
2014: ~$72k
2015: ~$97k

~35% by my math. Pretty good year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on November 19, 2015, 07:24:35 PM
Who necro'd this thread? Anyway while it's here, I'll edit the 1st post to 2015...

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

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

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

20 November 2015 I'm at $704,000. Hovering around this $700 mark with sharemarkets going down and up.

2016 is going to be pretty ordinary in comparison, and I'll tippie toe my way to about $775,000. There won't be any realestate  gains at all - they may even be negative.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Tjat on November 19, 2015, 07:33:44 PM
2014: $255K
2015: $388K

Increase of $133K. We renovated the house a bit in 2014, so some of that is driven by a real estate increase of about $40K.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mr_orange on November 19, 2015, 09:42:35 PM
2014 Ending - $1,013,000
2015 Ending (Projected) - $1,204,000

Increase should be roughly $191k or so; our best year to date.  We were hoping for a grander increase, but some sales have slipped into 2016 we were expecting to book profits for this year.  I'm hoping to clear $500k or more in net worth gains for next year assuming the stock market and Austin real estate market don't tank. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 20, 2015, 05:29:28 AM
Beginning of the year: ~19k
July 14th (last day before first paycheck after being unemployed): ~7k (value of my car)
End of 2014: ~25k

End of 2015 looks to be around $57,500.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 20, 2015, 06:40:37 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on November 20, 2015, 07:04:10 AM
Didn't do too well this year. Mainly due to poor investment choices before discovering MMM and a pay cut at the old job.

1/2010 - $15,000
1/2011 - $30,000
1/2012 - $45,000
1/2013 - $65,000
1/2014 - $90,000
1/2015 - $105,500
1/2016 - 158,000 (Projected)

w00h00 +$53,000 / +50.2% this year
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on November 20, 2015, 07:55:22 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

11/20/2015 - (+)$ 92,790 Amazing year in 2015.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalLakes on November 20, 2015, 09:10:37 AM
This was my first year following MMM and tracking net worth.  2015 increase of 39,000.


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: spud1987 on November 20, 2015, 10:16:24 AM
1/1/15 we were around 600k (my Mint accounts were messed up recently so I'm not exactly sure)

1/1/16 projected to be around 820k

Not bad for a flat market! Although we did probably earn about 20k in combined rental/dividend income. Plus I got lucky with an option trade back in August and that earned me about 4k in gains.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 20, 2015, 10:21:58 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 20, 2015, 10:31:04 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Not too shabby at all. Great work! The hardest part is getting the ball rolling at the beginning, when your contributions move the needle the most.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 20, 2015, 10:49:56 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Not too shabby at all. Great work! The hardest part is getting the ball rolling at the beginning, when your contributions move the needle the most.

Yeah, unfortunately (or fortunately?) the NW is split by about $45k student loans (debt!) and $75k assets. So depending on how the market goes, we could grow pretty quickly next year. Of course, we also plan to buy a house, so there's that...

It is interesting to see people's NW without context, because I feel like $0 in general is very different from $100k in debt plus $100k assets, depending on what the rates on your loans are like!

PS- thank you =) This mustachianism thing really works!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on November 20, 2015, 12:07:05 PM
The year is not quite over yet, but it looks like we're on track  for our net worth to increase by 85% of our reported gross income, despite only having a savings rate of around 60%. 

I always exclude my primary residence from these calculations though, because I expect to always have a home (and its associated expenses) and so I don't anticipate selling.  If I were to include it, it would be more like 98% of income.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KittyFooFoo on November 20, 2015, 12:24:42 PM
The year is not quite over yet, but it looks like we're on track  for our net worth to increase by 85% of our reported gross income, despite only having a savings rate of around 60%. 

I always exclude my primary residence from these calculations though, because I expect to always have a home (and its associated expenses) and so I don't anticipate selling.  If I were to include it, it would be more like 98% of income.

Sorry, what does this mean exactly?  You saved 60% of net, probably kept your taxes down, and then had some other asset appreciation (maybe other real estate?) which bumped your NW increase to 85% gross?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on November 20, 2015, 12:30:39 PM
Sorry, what does this mean exactly?  You saved 60% of net, probably kept your taxes down, and then had some other asset appreciation (maybe other real estate?) which bumped your NW increase to 85% gross?

We saved/contributed about 60% of gross income (53% to 68%, depending on how you count it) and returns on assets already owned made up the rest of the gains to our net worth. Stocks didn't do so great this year, so it was mostly real estate this time around.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan on November 23, 2015, 01:13:18 PM
Fun thread!

We're up 142K to 416K in 2015, with a month to go, on a gross income this calendar year of 75K.

Woot!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mrteacher on November 23, 2015, 01:43:41 PM
Up just under $27k since 1/1/15. I'd really like to hit $30k by the new year; I'll need an especially frugal December combined with some solid market returns.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: pharmmm on November 23, 2015, 04:37:03 PM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KzooKendrick on November 24, 2015, 05:59:05 AM
Love this thread! I keep track of my NW monthly in Excel since I graduated college and found MMM.

Here it is:

Dec 2012: -$50K (College Debt + Car Debt)
Dec 2013: -$15K (Sold Car and found MMM)
Dec 2014: +$5K
Dec 2015: +$50K (Projected - Promotion in 2015 didn't hurt either :)

As you can see I found MMM in 2013 and have been going non-stop from there!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 24, 2015, 06:17:55 AM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306

That's amazing! Especially when interest works against you rather than with you. I don't know if that pace is sustainable but you will be debt free soon!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: the_gastropod on November 24, 2015, 06:26:34 AM
Per mint:

November 2014:-280,019
November 2015:-139,713

Change:$140,306

That is seriously impressive! Keep on cruisin'!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on November 24, 2015, 06:39:21 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW? 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on November 24, 2015, 07:04:54 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW?

It probably varies by place of employment but we are fully vested in our pension, which means if we left our jobs today or FIRED, we could take that money with us. We contribute 8% of gross salary per month, and our employer contributes a 6% match. Every year, they send us a pension statement in the fall that includes those amounts plus the performance of the pension investments based on market conditions. So we only know the true amount once a year, which is a bummer when trying to keep track of NW, but it is fun to add that big chunk once a year. Except they are already over one month late in getting us the numbers this year and I am itching to update our NW number!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zaga on November 24, 2015, 08:26:10 AM
So far this year has been slower than the last 3 for net worth growth.  Obviously I don't trust any numbers until it's Jan 1, the market has been far too volatile.

Our savings rate is looking like it will be a tiny bit higher than our best year before this, so yay!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sparky28 on November 24, 2015, 08:33:56 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on November 24, 2015, 09:17:03 AM
Some amazing increases! Am waiting on our very late pension statement for the year to post our update.

How do you factor pension into NW?

It probably varies by place of employment but we are fully vested in our pension, which means if we left our jobs today or FIRED, we could take that money with us. We contribute 8% of gross salary per month, and our employer contributes a 6% match. Every year, they send us a pension statement in the fall that includes those amounts plus the performance of the pension investments based on market conditions. So we only know the true amount once a year, which is a bummer when trying to keep track of NW, but it is fun to add that big chunk once a year. Except they are already over one month late in getting us the numbers this year and I am itching to update our NW number!

I see, my employer only sends out projected monthly payouts at retirement. 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: golfreak12 on November 24, 2015, 09:46:28 AM
==>> End on Nov 2015.

$15,000- Rental house. Value went up. Estimated.
$30,000- Main house value went up. Estimated.
$8,500--  Principles paid down on both houses.
$59,000- Money saved from Income. Part of this was $11,000 tax refund and $5,700 settlement.
$0-          Market was flat this year.
$11,000- IRA from both of us.
$6,0000- HSA savings.
$5,000-   part time gig from my wife.
$6,000-   Gold given from my Mom.
--------------------------------------------------
~$140,500 so far this year. It helps that I hit $100K again this year.
~$503,000 NET WORTH
In the next few years, I will probably earn ~$80,000 so I need to make the money we have now earn money for us.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on November 24, 2015, 11:40:18 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RWD on November 24, 2015, 11:47:55 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?

I include my cars. I update the value once per year using KBB. I think this is fair, especially since I have a loan against one vehicle which is more or less offset by the car's value.

I don't have any boats or timeshares.

I don't include any smaller items, but if I sell something I'll count it as a credit towards that expense category. For example, if I sell a camera for $40 then buy a laptop for $500 my accounting will show I spent $460 on electronics (as opposed to having $40 extra in income and $500 in expenses). But this doesn't affect my net worth calculations.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 24, 2015, 11:52:47 AM
Random question:
I know some people include the estimated value of their primary residence in their NW calculations, and some don't. 
What about other 'things'?
Cars?
Boats?
Timeshares?

I ask because I don't include my house, but I do include the above.  Should I switch to solely cash type accounts? I don't have a ton of equity in the house, and the value estimates have been fluctuating wildly over the last 5 years so it just didn't seem worth it.  Cars/toys on the other hand seem to be a little more stable although they obviously decrease in value over time vs what real estate should do.  And in the case of the boat/timeshare they are paid for.  I can fairly easily sell a car or the boat, not so much the house.  I guess the easy answer is not to include any of them but then my number goes down :(

If you include your house, but not this other sort of property, why/why not?

I don't count wildly depreciating assets. I'm going to drive my car into the ground, and it will be essentially worthless once it gets to that point. Therefore, I don't count it. When I buy a house though, I intend to have the value the same or higher when I sell. Therefore, I will include it in NW calculations. (Also, I will have a loan on the house- I will need the value to offset the loan cost).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 24, 2015, 01:12:23 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on November 24, 2015, 02:30:18 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.

Pooperman, what source are you using to determine list price of MTG cards? I have a bunch that I've been meaning to establish a value for/possibly sell. Also, do you have any idea where I might expect to get fair value for them? Listing KBB value for the car and other easily-quantifiable stuff seems like a logical approach.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on November 24, 2015, 02:45:58 PM
I include the value of property for which the value is easily determined. Because of this, I include the KBB value of my car and the list price of my Magic card collection, but not things like beds or computers. I don't have a house, but I'd include that as well if I did.

Pooperman, what source are you using to determine list price of MTG cards? I have a bunch that I've been meaning to establish a value for/possibly sell. Also, do you have any idea where I might expect to get fair value for them? Listing KBB value for the car and other easily-quantifiable stuff seems like a logical approach.
I use the buy list prices on MTGprice.com. I made a list of what I have that I'd actually sell (the investments) and then there's a feature of the site that allows you to see what you can get by selling them to online stores. They don't have every store, bury eh have enough to get a decent idea. You can get higher for certain in demand cards at the bigger events or by selling them yourself, but it's good to know the minimum you can get.

Example: I've got a bunch of lands from the last few sets that I got through playing or buying that is now buy listing for $625. The top end value (selling directly yourself) is about $1100. I spent about $700, though that's a bit fuzzy since I include the value of events I played in when i got them as the price.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on November 25, 2015, 01:07:11 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on November 28, 2015, 02:47:02 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: faramund on November 28, 2015, 11:27:25 PM
Well, this year it looks like the growth in my net assets (i.e. not including savings) was greater than my expenditure, for the first time EVER. It looks like it will be 13% growth, and my current expenditure to net assets is 10%. So in theory, I could retire with 3% left over for inflation.

The only problems are (1) that I can't access 2/3rds of my net assets for another 9 years, and (2) I'm sure that here in Australia we have a property boom, and I can't in any way count on that level of growth in the future.

My current model is for waiting another 7 years, until retirement, but I'm very (uselessly) thoughtful.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tesuzuki2002 on November 30, 2015, 08:53:16 AM

FY 2014 Ended  $436K
Estimated FY 2015  Ending  $520K

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: boarder42 on November 30, 2015, 10:50:10 AM
2013: ~153k
2014: ~253k
House value not included.
Found mmm in January. Was a pretty damn good year.

2015 expected - 343k

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tummyrubbingjesus on November 30, 2015, 12:08:20 PM
Hi all,


I'd like to know how you guys did this.
I attended another thread to get some insight into how somebody hit up to 300k in 4 years. A very impressive feat.

Some peoples' numbers here are also very impressive. I'd love to get some insight for everyone on how they managed to really get some awesome %s like that.


As an example:

"
In my case,
2013 =  38k
2014 ~ 121k
"


I mean even being able to save 80k tin a year.. that's a good % you're getting on any investment fund you're hitting.

It'd be really great if people could also give some of the funds/investments - or at least types of investment if they're shy about details - that they're taking to get some of these awesome number.



Inspired by the community here and Mr Mustache I started my first index fund account today, dropped some money into it and have set up a monthly contribution. Provided some advice from others on this site, plus a bit of research into the statistical past I took out the USA total market index one (the vanguard ) to get some of those percentages right now. The rate at the moment is relatively low ~6-7% but has a good history the past ocuple of years, and likely to keep growing over the next few years.

As i contribute further i'll be adding in some other markets too to make sure i get a bit of a range of funds.


One question I have is whether you guys in the US get taxed on this stuff? in the UK we have something called an 'ISA' which allows you to deposit £15,500(ish) per year that generates tax free interest. Once you start pushing above that you need another fund that can be taxed. How does it work for you Yanks?

TRJ
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on November 30, 2015, 01:17:47 PM
Some of us live in property markets that have experienced quite rapid growth. My 2 units have increased in value by about 11% this year (~$100,000). This is not taxable until I sell, and for one of them, will be tax free when sold.

Another $50,000 from cash savings and another $20,000 from retirement savings brings me up to $170,000 gain for the year.

Of course, property markets don't go up every year, so I don't count on that growth being repeatable all the time.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIreDrill on November 30, 2015, 01:29:29 PM
Hi all,


I'd like to know how you guys did this.
I attended another thread to get some insight into how somebody hit up to 300k in 4 years. A very impressive feat.

Some peoples' numbers here are also very impressive. I'd love to get some insight for everyone on how they managed to really get some awesome %s like that.


As an example:

"
In my case,
2013 =  38k
2014 ~ 121k
"


I mean even being able to save 80k tin a year.. that's a good % you're getting on any investment fund you're hitting.

It'd be really great if people could also give some of the funds/investments - or at least types of investment if they're shy about details - that they're taking to get some of these awesome number.



Inspired by the community here and Mr Mustache I started my first index fund account today, dropped some money into it and have set up a monthly contribution. Provided some advice from others on this site, plus a bit of research into the statistical past I took out the USA total market index one (the vanguard ) to get some of those percentages right now. The rate at the moment is relatively low ~6-7% but has a good history the past ocuple of years, and likely to keep growing over the next few years.

As i contribute further i'll be adding in some other markets too to make sure i get a bit of a range of funds.


One question I have is whether you guys in the US get taxed on this stuff? in the UK we have something called an 'ISA' which allows you to deposit £15,500(ish) per year that generates tax free interest. Once you start pushing above that you need another fund that can be taxed. How does it work for you Yanks?

TRJ


I'll give you a breakdown of our projected increase this year and some details behind it.

Start of 2015 = 106k
Start of 2016 = 200k


Tax Deferred Investment Contributions...

Wife 401k = 18,000
Wife 401k Match = 1,500
Wife IRA = 5,500
Husband 401k = 18,000
Husband 401k Match = 6,500
Husband IRA = 5,500

Total tax deferred investments = 55,000

Other added "Investments"

Home value increase + principle pay down = 20,000
Taxable investments = 10,000
Cash = 10,000

Combined for a total estimated increase of 95,000 in 2015.  The market was pretty flat this year so I really didn't get any help from that.


As for what I'm invested in.... Low cost total market index funds such as VTSMX or FSTMX with a Asset allocation of roughly 20% bonds and 80% stocks.  Basic breakdown would be 20% in Vanguard VBMFX and 80% in VTSMX or similar funds.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tummyrubbingjesus on November 30, 2015, 02:01:46 PM
Ah, great.


That makes a lot of sense. I wasn't really thinking about property investments. I've just bought my first house now and so i guess that will be a contributing factor.  I don't really have a wife, i guess if two people are putting into matched retirement funds and saving cash ... well that helps a lot.


I'm unhindered by marraige or kids but can save a pretty decent sum per year. I'm hoping to get some great advances like that as I move along in the world.

Thanks for the breakdown - and anyone else please feel free to break down your gains - give back with words of wisdom.

TRJ
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on November 30, 2015, 02:03:43 PM
I don't really have a wife,

(http://cdn.someecards.com/someecards/usercards/i-dont-have-a-girlfriend-i-just-know-a-girl-who-would-get-really-mad-if-she-heard-me-say-that-mitch-hedberg-5b5b6.png)

Couldn't resist.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: faramund on November 30, 2015, 05:22:56 PM
This is the sort of comment that many people will disagree with, because ... I have a margin loan with my shares.

So, if I had 10 dollars, in equity, I'd take out a $10 margin loan. For me, my margin loan is 7% interest, which because I'm in a 38% tax bracket, means its really about 4%. So this year, my shares grew 8.5%. So 20 dollars would become 21.70 then minus the interest of 0.40 becomes 21.30, so 1.30 gain on $10, so 13% growth in net assets.

I'm in Australia and the stock market here is still well down on 2008, and currently has a dividend yield of 5% (so the dividend pays the interest on my margin loan). Hence I think the chance of a major downturn is low. I'm also very widely diversified (50 stocks - none more than 6% of my portfolio)

I would NOT do this in a booming market. In a booming market you can make a good return without leverage, and after most booms, comes a bust, which is very painful if you're leveraged. 

Given, how high PE rations are in the USA - its an example, of somewhere where I would NOT use this strategy now.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: SwordGuy on November 30, 2015, 07:39:06 PM
We're packing up to move and some of the papers aren't available, so I'll just include some approximations.  Plus, my mom died and left us some assets but I won't be including those as they had nothing to do with any actions we took:


401k for wife and I:    46,000
401k match          :~    4,000
Vanguard purchase:    12,500
Rental #1:                 35,000    Appreciation from repairs made.
Rental #2:                 30,000    Ditto
New House                 97,000    Difference between purchase and appraised price.
===================
                              $224,500


Have no idea on what the stock market gains or losses were.

Our income should go also go up by $9,600 from the two rentals (Net profit, after current and projected expenses).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on November 30, 2015, 09:13:43 PM
just started tracking

11/1 - $105,409
12/1 - $112,227 (few hours early)

some favorable market gains this month
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: K-Dogg on December 01, 2015, 05:09:26 PM
My networth is January was around -15k. But as of today it's +45k! So I'm pretty happy about that.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: AcftW on December 01, 2015, 05:44:15 PM
End of 2014 Net Worth: 2k
End of 2015 Net Worth: 40k now, expected 44k by the end of this month.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PharmaStache on December 01, 2015, 06:08:30 PM
About 100k.  350-450k.  Pretty awesome!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 10:05:11 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RWD on December 02, 2015, 10:07:51 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.

Yes. You should count the approximate value of the rental towards your net worth and subtract the mortgage. Your positive equity is what remains.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 10:55:02 AM
calculating net worth question:

Is debt (mortgage) on a rental property counted against net worth?  Currently I am not adding this debt because I consider my rental an asset.


Yes. You should count the approximate value of the rental towards your net worth and subtract the mortgage. Your positive equity is what remains.


ugh okay, I'll have to re-calculate
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: mastrr on December 02, 2015, 02:04:26 PM
just started tracking

11/1 - $105,409
12/1 - $112,227 (few hours early)

some favorable market gains this month

New NW factoring in debt from mortgage on rental:

11/1/15 - +16,353
12/1/15 - +23,425
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on December 02, 2015, 02:14:20 PM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 02, 2015, 02:30:14 PM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.

a timeshare is negative equity its a money pit
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Kiwi Mustache on December 02, 2015, 02:51:42 PM
Start of year-

61k cash/bank deposits
19k superannuation
80k total

Now (3rd December)-
750k investment property
630k property loan
120k equity in property
14k share portfolio
25k superannuation
159k total

So basically doubled my money in one year :)

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: adam on December 04, 2015, 10:56:25 AM
I started tracking just cash accounts, no cars, no boat, no house.  But I don't have history, so...

including car values (negative), boat value (positive), and timeshare value (positive?)
We went from ~$80k to ~$127k

I think I'm going to prefer the non-equity accounting because that $127k is after I updated my vehicle values, which obviously went down.  I also need to start tracking the wife's retirement account. Not a lot goes in there right now but I think she's got like $30k.

a timeshare is negative equity its a money pit
Yeah it incurs a cost, but I don't  owe anything on the mortgage and theoretically I could sell it now.  Most people just end up giving them away though so at worst its probably a wash. (after the sunk cost)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FireLane on December 11, 2015, 03:44:53 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MilesTeg on December 11, 2015, 06:48:23 PM
Total: $85k

Target was $100k, but stock markets did not cooperate this year. Yay for diversification though, as I could have missed the target much worse if not for house and liquid savings.

More importantly, my outstanding debt was reduced by almost $20k
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 11, 2015, 07:31:41 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.

Or a real correction -_-
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 11, 2015, 08:01:23 PM
As of January 1 of this year, my NW was $573K. I did the math this week and realized that between 401K contributions (hit the max contribution amount, plus a 50% company match), taxable contributions to Vanguard and Lending Club, and increased home equity from paying down my mortgage, my NW has increased by just over $100K, even with a flat stock market.

That's a lot better than I had expected. I'm really looking forward to next year, when I'm hoping the economy will do better and we'll see some real stock market growth.

Or a real correction -_-

Or maybe it just does nothing for 20 years...
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 11, 2015, 08:44:36 PM

My net worth (excluding retirement funds - around $53k)

Jan 1 2014  -$33,600 owed (student loans)
1 Jan 2015  -$21,000 owed
12 Dec 2015 -$2,242 owed  - so close to free!!!!

Have increased my NW by $18,758 this year! (around 40% of my net income). I would have broken even by now (NW$0) if it weren't for $5k of unexpected dental bills (on top of $5k budgeted for dental bills) in 2015. By the end of Feb 2016, i'll be free of student loans.  It can feel so hard to make a significant difference, scrimping and saving on a single parent income - but looking back now, I'm so very glad I found MMM!!!!!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on December 11, 2015, 09:19:17 PM
Or maybe it just does nothing for 20 years...

That would also be fine with me.  My annual savings still far exceed my average annual market returns, and a flat market for 20 years means I'm guaranteed a flat 5% SWR for that period.  Win! 

Of course it's even better than that, since there has never been a 20 year period in US market history where the market wasn't positive.  I guess there's a first time for everything?  If you're the type that honestly believes that the next 20 years are going to be worse than the great depression, two world wars, and the rise of OPEC during stagflation and the much ballyhood "death of equities" period, then you probably should be living somewhere else.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 11, 2015, 10:21:53 PM
Or maybe it just does nothing for 20 years...

That would also be fine with me.  My annual savings still far exceed my average annual market returns, and a flat market for 20 years means I'm guaranteed a flat 5% SWR for that period.  Win! 

Of course it's even better than that, since there has never been a 20 year period in US market history where the market wasn't positive.  I guess there's a first time for everything?  If you're the type that honestly believes that the next 20 years are going to be worse than the great depression, two world wars, and the rise of OPEC during stagflation and the much ballyhood "death of equities" period, then you probably should be living somewhere else.

1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on December 12, 2015, 04:25:33 PM
1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.

Yep, there have been several periods of 10-12 years where the market dropped back down to previous highs, so it looks "flat" from the perspective of straight up index price if you ignore dividends.  But extend that time period to 15 or 20 years?  Suddenly we're back in wildly positive territory again because each of those 10-12 year "flat" periods is bracketed by growth periods.

Seriously people, get a grip.  There's been WAY too much doom and gloom around these parts recently.  Of course the market will crash again in the future, as it always has.  Then it will rise again.  On average it will do something between 5 and 10% per year, depending on which parts of it you are invested in.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 12, 2015, 05:14:26 PM
1973-1985 wasn't a good time. I think it was negative slightly after inflation, but basically flat. Not a good time for stocks.

Yep, there have been several periods of 10-12 years where the market dropped back down to previous highs, so it looks "flat" from the perspective of straight up index price if you ignore dividends.  But extend that time period to 15 or 20 years?  Suddenly we're back in wildly positive territory again because each of those 10-12 year "flat" periods is bracketed by growth periods.

Seriously people, get a grip.  There's been WAY too much doom and gloom around these parts recently.  Of course the market will crash again in the future, as it always has.  Then it will rise again.  On average it will do something between 5 and 10% per year, depending on which parts of it you are invested in.

The bands of flat are bigger. The two major ones: 1928-1950 (22 years) and 1965 - 1982 (17 years). This is with inflation and dividend reinvestment. The gains are 10-20 year periods like 1950-1965 (15 years) and 1982-2000 (18 years). 2000-2014 (14 years) was a pretty flat time as well, maybe you count this year and make it 15 years. You're right about the trend, but it's bigger.

I don't really care though. Money goes in, it grows eventually.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on December 13, 2015, 12:26:15 AM
My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year.
Interesting to look back on this. We made it to the end of November up $37k, looking to just scape a $40k increase by the end of the year. We've taken a couple of holidays and moved house but also both increased our earnings. Overall I'm pleased.

Our small share portfolio (managed fund) is currently down around 5% from where it started in January which seems to be similar to what the major Australian indexes have done. I'm still chicken on the investing front and plenty of people probably have done well in the Australian market this year, but at least I don't feel like I've missed out a year of great growth?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 13, 2015, 01:35:06 AM
I don't want to talk about it :-(
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 13, 2015, 03:06:23 AM
My husband and I started 2014 with $123 000 and finished up with $150 000

I'm very happy with our $27k increase which was almost exclusively from savings but I believe that we are capable of saving over $40k/year.
Interesting to look back on this. We made it to the end of November up $37k, looking to just scape a $40k increase by the end of the year. We've taken a couple of holidays and moved house but also both increased our earnings. Overall I'm pleased.

Our small share portfolio (managed fund) is currently down around 5% from where it started in January which seems to be similar to what the major Australian indexes have done. I'm still chicken on the investing front and plenty of people probably have done well in the Australian market this year, but at least I don't feel like I've missed out a year of great growth?

I think you'd struggle to find anyone who has had a year of great growth, unless your portfolio consisted of Blackmores, A2 Milk, Capilano Honey and Bellamy's.

Big Banks, BHP, Woolies and Woodside are all down, dragging the index with them. Market mood is so pessimistic right now, good opportunity to be able to accumulate over a long period of time.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dude on December 14, 2015, 12:42:27 PM
Hmmm, last NW calculation was before Friday's big market drop, on Nov. 24th.  I have a 1/9/15 calculation to compare it to.  Over that period, net worth increased 26% by my math. 

In addition, an $8K pay raise this year will affect my pension when I collect it a few years from now, going forward until I die, to the tune of @$3250/year minimum (assuming a 30-year retirement, that's an additional $97,500 in today's dollars).  I count that as something of a net worth increase!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: manonfire1007 on December 14, 2015, 11:59:54 PM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: G-dog on December 15, 2015, 05:40:57 PM
About 52K, and I retired at the beginning of July so no income since then.
It was better, but the market took some back.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 16, 2015, 02:30:42 AM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.

Your houses have value.... why exclude the value of your house but include the loans?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: WerKater on December 16, 2015, 04:05:55 AM
My net worth is up from 105k€ to ~130k€ (23.8%)
(assuming equity prices remain constant until end of the year and I get my one additional savings rate in as planned)
I have no debt and no house. Value of unproductive assets (car and such) not included.

Most of the increase is from additional savings. My funds went up/down by the following percentages over the course of 2015:
Europe LC       Europe SC     N. America LC   N. America SC    Em. Markets   Commodities   
7,8%   20,7%   9,76%   4,0%   -10,8%   -25,2%
Weighted average: 3.3%. Diversification is an awesome thing.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: eyePod on December 16, 2015, 08:00:30 AM
Up 50k so far. Hopefully a little more by the end of the December (we get an extra paycheck this month).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jon_Snow on December 16, 2015, 08:06:32 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 16, 2015, 08:12:49 AM
Dec 2013 - $210K
Dec 2014 - $327K
And we're at $422K as of Dec. 2015.  With the markets more or less flat, and no home sale / purchase to record a gain on this year, I'll take it.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FLBiker on December 16, 2015, 08:15:53 AM
Come on guys and gals, spill the beans. How well did you do this year.

I started at around $419k and will end at about $534k. An increase of ~115k to the bucket.

Pretty good year :D though I actually had a bigger 2013 due to some higher shares and property value gains.

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

Wow, we're virtually identical.

2014 - $407K
2015 - $527K

Gain of $120K.  Next year will be less because my wife is going to be a SAHM until Jan 2017 (or possibly Aug 2017).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: charis on December 16, 2015, 08:45:43 AM
This is the first year that I've tracked our net worth.

Jan. 2015 = $7,777 NW

Dec. 2015 = $52,000 NW (projected to add another $2K by end of the month)

That's nice.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIPurpose on December 16, 2015, 10:13:02 AM
2014 end: 53k
2015 end: ~131k

I guess gotta see how the end of year stocks play out, but about a 80k gain. This year I saw about a 10% raise in pay, and modest bonuses. My wife had fantastic bonus earnings and an 11% increase in pay. Hoping the market adds at least 10k, and I hope we can add about 90k for 2016.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: manonfire1007 on December 16, 2015, 11:22:43 PM
Went from -520k (professional loans for 2 plus house) to -460k while adding a paid for 20k car and 27k 401k (after match) and 5k deferred comp. I read that as a 113k positive move. It does not count appreciation of what is in the 401k this year.
460k in debt to go. I pay 9250 a month at it and it will be gone by sept 2020.

Your houses have value.... why exclude the value of your house but include the loans?
That's a good point. I wasn't consistent. I counted the car but not the house. My focus is really on killing debt, so I try to just look at the debt and not the net worth. Once the debt is gone the net worth will be a nice new goal to focus on. It should be around 500k when debt is done
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on December 18, 2015, 12:49:55 AM
I would guess around 100k-ish...investments have been a bit flat this year, though they continue to spin off dividends and distributions like always.

B.C. (and to a lesser degree, Mexico) real estate though...a freight train that cannot be stopped (yet)...is a large factor in us being 100k "richer" on paper.

Similar situation here -- we're up about $150k at the moment, but about $90k of that is on our Beijing apartment.  Things have bounced around a lot, though -- lowest point was around -20k compared to last year's final total (in early February) and highest point was +240k in late November (before I noticed I needed to adjust the exchange rate on the property value).

Not bad considering my income stopped in July, we're still paying high school fees for the kids, and we're paying two sets of household expenses.

Similar, 2/3 of our NW increase is due to our CA house valuation: +$170k on that house alone (eye pop). 

And money is flying out window between tuition and ... well ... tuition... and now, w DD2 starting college,... more tuition.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Crystal1588 on December 18, 2015, 08:00:02 AM
2009: $38k
2010: $60k
2011: $83k
2012: $107k
2013: $176k
2014: $182k
2015: Looking to be around $222k

Hoping to hit 300k at end of 2016
I'm 27, husband 29
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: freebeer on December 18, 2015, 09:06:34 AM
Come on guys and gals, spill the beans. How well did you do this year...

-55% MOL

(divorce, sigh)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 18, 2015, 09:30:55 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dandarc on December 18, 2015, 10:06:54 AM
Down another 10k yesterday.  I expect things will bounce around a bit more before the end of the year.  Just hoping I can manage to initiate DH's small Roth conversion when things are up, and then have them drop over the next few days.  Yes, I am a dirty market timer....
I hope this lasts at least till my check clears in January.  Into Feb. would be even better - wife's 457 contributions will start back up again in late January / Early Febrary.  Front-loading can be exciting!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: gecko10x on December 18, 2015, 01:30:26 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 18, 2015, 02:22:25 PM
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%.



Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: AlwaysLearningToSave on December 18, 2015, 02:40:55 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 22, 2015, 08:49:57 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Gen Y Finance Journey on December 22, 2015, 05:11:16 PM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:20:28 AM
My increase was about $32k this year.

(I think)(I'm on holidays so I can't check my spreadsheet, haha)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:24:10 AM
Nudelkopf! Where are you holidaying?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:38:21 AM
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?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:41:49 AM
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.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:43:23 AM
Your property has smashed it this year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:48:02 AM
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
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on December 23, 2015, 01:50:53 AM
Oooh, Marty branching out to Qld? It is the best state.. All this sunshine! You should move here :P
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2015, 01:53:41 AM
Hehe, very tempting nudel...
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on December 23, 2015, 05:48:03 PM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: frizzywhiskers on December 29, 2015, 03:24:51 PM
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)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PharmaStache on December 30, 2015, 08:06:04 AM
2014- 369k
2015- 469k

Exactly 100k increase.  30k more until 500k….huge milestone! Should be there by June.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Paul | pdgessler on December 30, 2015, 08:15:21 AM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 30, 2015, 12:44:31 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 30, 2015, 12:55:10 PM
Yearly increase of about $32k ($25.5k -> $57.5k).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KittyFooFoo on December 30, 2015, 10:34:58 PM
2014: -$110k (I think) --> -$60k
2015: -$60k --> $20k

It was -$130k at the lowest.  Woooo!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aceyou on December 31, 2015, 05:08:35 AM
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
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aj_yooper on December 31, 2015, 06:15:56 AM
aceyou,  your progress this year is amazing!  You have it going.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MVal on December 31, 2015, 08:52:19 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: GoldenNeko on December 31, 2015, 10:25:16 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 31, 2015, 12:34:33 PM
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
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on December 31, 2015, 12:59:09 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 31, 2015, 02:40:59 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: kudy on December 31, 2015, 02:43:34 PM
My net worth increased about equal to my salary for the year. Aggressive savings + 401k match + market gains + equity in my house!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: RetirementDreaming on December 31, 2015, 03:12:30 PM
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. 
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2015, 04:37:19 PM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Mormon Money Mustache on December 31, 2015, 04:58:29 PM
2014: $135,500
2015: $266,000

Hoping for a huge 2016 to get up to $500k!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: alphapotato on December 31, 2015, 05:22:49 PM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: jorjor on December 31, 2015, 05:24:47 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dmbsux on December 31, 2015, 09:19:58 PM
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 :)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on January 01, 2016, 06:58:15 AM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 01, 2016, 12:33:04 PM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Civex on January 01, 2016, 01:10:55 PM
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.)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: samburger on January 01, 2016, 08:16:22 PM
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!
 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: RFAAOATB on January 01, 2016, 11:22:34 PM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zikoris on January 01, 2016, 11:33:44 PM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Blindterry on January 02, 2016, 06:30:54 AM
2013: 256K
2014: 345K
2015: 408K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Money Badger on January 02, 2016, 09:06:51 AM
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!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Zaga on January 02, 2016, 10:03:57 AM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 02, 2016, 10:10:42 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: umterp1999 on January 02, 2016, 10:12:08 AM
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.

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on January 02, 2016, 11:23:47 AM
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)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 02, 2016, 12:09:14 PM
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?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MsFrugalista on January 02, 2016, 01:37:04 PM
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 (http://forum.mrmoneymustache.com/welcome-to-the-forum/what's-your-job-title-and-how-much-do-you-earn/) with more anecdotes on salaries and the type of work people do.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: KMMK on January 02, 2016, 02:29:09 PM
Net worth in 2015 decreased by $2,500, which is pretty good considering I only worked 4.5 months of it.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MVal on January 02, 2016, 04:18:07 PM
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?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MM_MG on January 02, 2016, 06:59:53 PM

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?

Thanks, but it could/should be much better than this.   I'd have to go back and look, but off the top of my head…in mid-2007 I changed jobs, made more money and was finally eligible for a 401K.  I also move up in salary quickly the first couple of years.  The numbers before that 2007 only represent 2 roth IRAs and a 403b (two people).  So I'd guess with the raise we were able to put money into my 401K and increase the wife's contributions.  Unfortunately the wife hasn't been able to contribute to a 403b since 2010. :(   
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FIreDrill on January 02, 2016, 07:18:14 PM
Final numbers are in for 2015! We were up 96.6K which is way more than we expected at the start of the year.

End of 2012 = 6,798
End of 2013 = 61,724
End of 2014 = 106,801
End of 2015 = 203,468


I'd love to break 300K by the end of 2016 but that could be difficult due to us doing some international travel this year.  But, if the markets are good to us, it could happen.


SS
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: soupcxan on January 02, 2016, 07:33:15 PM
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?

Easy to save 100k/yr if you're DINKs.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: kpd905 on January 02, 2016, 07:37:08 PM
Just check my spreadsheet, these are my numbers for the last 3 years.

December 2013: -$43,953
December 2014: $21,525
December 2015: $99,252

Lot of huge student loan payments during that time, and a moderate amount of investing.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: okits on January 02, 2016, 08:29:03 PM
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?

In 2014 we had a six-figure NW leap.  Market returns were a HUGE part of that.  Our incomes are not that impressive compared to many in this community (worlds away from Goldman Sachs, Silicon Valley, or successful entrepreneur), but we did save and invest starting in our 20s.  It really is the gift that keeps on giving (past-selves, we love you!)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on January 02, 2016, 09:34:16 PM
How the hell are you people saving 100+k in ONE YEAR?

Earn 200 and save half?
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: bzzzt on January 02, 2016, 10:05:34 PM
2012: ~$90k
2013: ~$170k
2014: ~$225k
2015: ~$302k

Come on 2016, let's keep movin' on up!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: PhilB on January 03, 2016, 08:30:24 AM
Net worth increase of £90k in 2015, but the real reason I'm posting is that you lot are the only ones I can share the following with.  I have spent much of the year flirting with the £500k level in my work pension scheme.  I stick the total into a graph weekly (I know, very sad, but it helps me get comfortable with the volatility) and first got close in May, then the markets dipped, then I was up and down through June, July and Aug before the markets tanked again, but never got above £497k.  The markets recovered again and I got to £499,492 on 4 Dec.  Then it went down again. Then, on New Year's day, Yippee!  £501k !
Now I know it's a meaningless snapshot passing an arbitrary number, but for me it's a thrilling milestone on my journey to FI.  And I can't tell any of my friends or family as they wouldn't understand that I'm not boasting but genuinely excited at passing a milestone on my journey.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: dandarc on January 03, 2016, 10:44:53 AM
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?

One of the big revelations I have had is that the amount of taxes is not necessarily a given.  Hit that 401k hard - you might be surprised how  much you can reduce your taxes.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tlsv on January 03, 2016, 10:59:31 AM
Increase in investments only...we also have a fully paid home worth approx. $500k

2011 - $222,825
2012 - $314,917
2013 - $448,196
2014 - $606,251
2015 - $763,164 which was a $156,913 increase ($148,730 was actual savings the rest was market gains)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Overseas Stache on January 03, 2016, 11:02:19 AM
This post just made me go check out my mint account and see how I did. I increased net worth from 96K to 157K from Jan 1st 2015 to Jan 1st 2016. That is an increase of 61K, which is really exciting considering my earned income is 54K per year. That is mostly thanks to my real estate investments. Net worth isn't really the most important measure to me as I'm looking to build up cash flow through real estate so that I can FIRE but it is nice to look at every once and while.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired on January 03, 2016, 11:25:17 AM
Oh man, this thread is really a kick in the pants! I'm up a paltry 12%, partially due to a lack of focus and partially due to shifting a lot of things around to purchase a house.

Here's to 2016 being much more focused!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: big_slacker on January 03, 2016, 12:31:28 PM
I went from around 80k to 120k. Was good with savings and 401k but also lucky with signing bonus for a new job. Still happy, plodding right along!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: lithy on January 03, 2016, 04:59:13 PM
2012 ($44,938)
2013 $1,855
2014 $50,869
2015 $93,702

The goal was 100k, but with the birth of child #1, expenses went up some, and a not great market year meant the number didn't quite get there.  However, still very happy with our progress, if our net worth would increase 84% every year I'd be retired a lot sooner than I'm currently planning.

Side note: NW number does not include our house (no mortgage) since it is our primary residence.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: plainjane on January 03, 2016, 06:16:59 PM
Increase of ~130k
invested assets ~85k (growth + contributions)
reduction in mortgage debt ~45k (does not include any potential increase in the value of the house)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 03, 2016, 06:42:44 PM
December 2013:  $43,800
December 2014:  $70,200

A $26,400 increase, up 60%, with a 40% savings rate for the year.  Hoping to keep that savings rate up this coming year, but with a lower income, so how much our NW changes will be up in the air.  Pretty proud of these numbers, my husband and I got married this year, so a lot of changes we bumped through while making steady progress.  Realistic goal of $93,000 stretch goal of nice round $100,000.

December 2015:  $107,700

A $37,500 increase, up 53%, with a 50% savings rate for the year with a greater income than last year, which we weren't expecting at this time last year.  And we met our stretch goal! (also due to the surprising higher income).  Goal for next year:  $150,000 if we stretch for it.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: mbk on January 04, 2016, 04:31:51 PM
2013 =  38k
2014 = 121k

2015  ~  147k
Not a good year in terms of wealth accumulation. Many big one-time expenditures and forex rates negatively affected my wealth accumulation. The stock market also didn't help much and most of my funds barely moved.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: drudgep on January 05, 2016, 05:16:29 PM
A lot has happened along the way, however this is when I started keeping track and after I paid off student loans. Started as a young 24 yr old who liked video games and drinking, now am getting married and have a 1 year old baby... life is funny :)

Dec 2012: $1,181
Dec 2013: $13,632
Dec 2014: $51, 972 (Bought Triplex)
Dec 2015: $89, 010
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: onecoolcat on January 05, 2016, 05:35:14 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Think on January 05, 2016, 07:23:11 PM
$55k 401k including matching
$30k deferred compensation.
$16k defined benefit pension (rolls over to 401k if I leave)
$10k cash savings
$20k extra payments towards primary residence
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: J.Milly on January 06, 2016, 12:58:50 PM
Went from under 15k NW to just under 27k. My personal goal was to hit 25k by end of 2015 and 30k in 2016 (was a part time working and in uni at the time). Thanks to my bonus rolling in on Jan 14, ill be just under 30k, hoping to hit 40k! (Hopefully more if I get the full time position i interviewed for).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: partgypsy on January 06, 2016, 02:39:25 PM
I don't track net worth including house but will try to estimate. If I did this before I forgot to include efund.
Retirement savings went from 158 to 169K

current mortgage is around 68K or a little less so estimate mortgage went down from 75K to 68K (+7200).
House value unknown, but went up. Property tax valuation went from 219 to 228K (+9K)
Paid for a 15K roof out of savings so efund  went roughly from 17k to 2K.
so from 2014 158K r +144K hey +17K savings=319K     to 2015 169K +160+2K=331K 2015  (+12K or 4% increase in networth).

I'm relieved it's in the positive (barely). I knew it was going to be ugly. In addition to roof repair, have paid close to 13K in schooling costs so far for 2015. Though we will not have the roof repeat, we will have equivalent school costs yearly, as long as we can bear. My husband is willing to go into debt for this while I am not. We will take 1 year at a time.     
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan on January 06, 2016, 03:25:22 PM
Just found this thread! I found MMM in mid-2014, but I have been on the right track for a long time.

- Net worth up 219K, from 200K to 419K, 110%!
- Assets up 204K, from 350K to 554K, up 58%!
- Investments up 84K, from 183 to 267, 46%!
- Debt down 11K to 140K, down 7%!
- Income on the year: 80K (not counting auto deposits to 403Bs, I think)


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: onlykelsey on January 06, 2016, 03:29:44 PM
I just found MMM in the last month, but was already doing a lot of this.  In 2015 my net worth went from approximately $229K to $327K, a 42% jump.  That's not all that noteworthy given my high income, but I got married this year (18K? 20K?) and had a 64K roof problem in my condo, so in a normal year I would have been up 180K or 78%.  Hopefully I can hit a number like that next year.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 06, 2016, 07:34:58 PM
One of the big revelations I have had is that the amount of taxes is not necessarily a given.  Hit that 401k hard - you might be surprised how  much you can reduce your taxes.

That calculation takes a maxed out 401k into account, which is how I've been doing it.

Earn 200 and save half?
Easy to save 100k/yr if you're DINKs.

I was asking for specific quotes on salaries and the work involved. By DINK do you mean married? I hear there are some tax benefits for that.

I'm trying to get context for how I'm paid compared to other people. My partner and all of my peers are service workers who feel lucky to get insurance and 20 or 30k. My co-workers generally make about the same as I do, slightly more if they are older.  I'm sure some people in my office make over 140k, but they probably stayed in the game for 7+ years to get there. 

I'm just starting my third year out of college and I've already doubled my salary once, but looking at the landscape, I'm not sure how to do it again. I know that around here the answer is always "create value". So I guess I'm asking, for those quoting 100k savings from salary, how did you do it? How long did it take to get there? This section is called "share your badassity" after all :)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sol on January 06, 2016, 09:27:00 PM
I was asking for specific quotes on salaries and the work involved. By DINK do you mean married? I hear there are some tax benefits for that.

DINK = dual income no kids.  Two people each earning 65k without any children can live quite comfortably on $30k and bank the rest.

Again, you are missing the distinction between savings vs. net worth growth.

That's an important point.  My investment portfolio performance was actually slightly negative last year so that part of my net worth grew by less than I contributed to it, but our real estate holdings rose in value considerably.  We also banked some 401k and HSA matching funds that ended up as savings even though they weren't part of our income.  Some folks, like arebelspy, generated tens of thousands of dollars in cashflow from rental property completely outside of regular wage income.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: forestj on January 06, 2016, 09:40:26 PM
Again, you are missing the distinction between savings vs. net worth growth.

I suppose that is intentional / self centered of me, since I just recently eliminated my debt and don't have any substantial investments. But it does explain how much people are growing their net worth, who are already multiples  beyond what I would consider sufficient to retire. I apologise for my laser-like focus on wages / entrepreneurship, since that is my only possible source of income right now.

You mentioned upthread you are a software developer in the Bay Area

I never mentioned where I live, I'm in Minneapolis where the income taxes are relatively high and the wages are relatively low. But my rent is $270/month, go figure.

I would sooner shoot myself in the foot than drop $200k on a condo.

I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: jorjor on January 06, 2016, 10:14:16 PM
I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.

Maybe rare in the general population, but you are on a forum that skews toward a quite successful demographic. (Even then, not necessarily common here.)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on January 06, 2016, 11:01:11 PM
A little over 203k in NW gains this year up to 638k total NW. Stock investments were flat to down a bit, but all dividends were reinvested, and my rental property really picked up the slack.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 07, 2016, 12:00:32 AM
I never mentioned where I live, I'm in Minneapolis where the income taxes are relatively high and the wages are relatively low. But my rent is $270/month, go figure.

I would sooner shoot myself in the foot than drop $200k on a condo.

I know what DINK means, but its really rare that I see two people less than 10 years older than me who both making $85k pre taxes. Most of the couples I know in my age range are making $85k pre-tax combined on average. A great portion of them are making less than 50k combined.

"If you stay living in peasant country, you'll never be rich. Make the leap and budget later."

I've been waiting for an excuse to use that quote, stolen from PFJerk (https://www.reddit.com/r/PFJerk/comments/3kktti/how_do_the_economics_of_living_in_the_bay_area/)

(Tounge in cheek if that's not obvious)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MishMash on January 07, 2016, 07:58:13 AM
This was our first full year tracking, and a horribly expensive crisis riddled year for us.  Number includes equity in the houses (no price appreciation from purchase though) and stocks were only up 1% across accounts in 2015 so this is pretty much all contributions.

Dec 31 2014: 721,425
Dec 31 2015: 823,141

2016, barring any more disasters (pretty please 2016, can we have one year without monumental bad luck...please...I promise I'll be nice to the woodland creatures, and perhaps temper my anger towards fellow DC drivers if so) should be a much better year, and will hopefully be our million dollar year through our own contributions.  There is an inheritance coming that will likely push us well over that mark but we want to hit it through our own contributions.

forsetj, I'm an millenial engineer as well, 85k for Minneapolis isn't terrible, but you could clear six figures easy by moving.  Not sure what your friends do but most of mine started out, fresh out of college, earning way more than 42k a year.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: chubbybunny on January 07, 2016, 08:59:54 AM
December 2014: $623,552
December 2015: $723,398

Okay, so I know I didn't sock away $100,000, so how in the world did my networth go up this much?   Here's the breakdown I found; it's a combination of savings, paying off mortgages, and housing prices going up.  Nothing to do with the stock market, investments were at a loss for last year.

assets
Cash: up $7,000
Retirement accounts: up $23,000
real estate value: up $33,000

debt
mortgages: down $32,000
car loan: down $6000
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on January 07, 2016, 10:55:56 AM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

I just ran the final numbers for 2015.  NW is up 19%.  Not bad for a generally down year in the markets.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: tarheeldan on January 07, 2016, 11:04:46 AM
Up $45,080.25 or 98.05% :-)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Tony_G on January 07, 2016, 01:00:02 PM
Per Quicken mine went up 19.26%, I haven't calculated my savings rate.
 
I could have done a lot better, however, my income was a bit lower, investments are down, and I also spent a lot more on exotic travel with my fiancee on 2015 than on previous years.

I have not updated any of my real estate property values either, last summer was crazy and they've appreciated a bit, I'm not counting on that appreciation, though, except for one of the properties that I plan to sell this year (hoping the market remains as hot as last year).

To make things worse, I also bought a new truck (face punch please), the justification was that my old truck was a 10-year old, midsize  regular cab, so I could not comfortably fit 3 people, my mom spent pretty much all summer with us, so it was a pain every time we decided to go out.

We have already had "the talk" and agreed to oversee each other so we spend less and save/invest a LOT more this year, we are also combining finances and are even considering becoming a one car household once we get married.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FOBStash on January 07, 2016, 01:36:40 PM
21% NW increase as of end December due to $8K decrease in annual spending + savings but overall spending is still very face-punch worthy. Still, all good and progress is worth celebrating!

The NW probably went down significantly the last few days due to hammering of stocks.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: johnny847 on January 07, 2016, 04:29:31 PM
I'm up $26789.28, from $72700, or 36.8%
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: pancakes on January 09, 2016, 09:34:01 PM
Did all the sums for 2015 and am pretty impressed we made a $44.5k increase. Our share portfolio decreased slightly in value over the year so all savings this year. 43% savings rate on our post tax income.

We had about about $14k (before tax) paid into super accounts this year but I don't include super in my net worth calculations because there are so many rules about accessing it.

We ended just shy of $200k and a little over if were to add our super balances and then subtract HECS debts.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: ReadyAimFired on January 10, 2016, 08:23:13 AM
Dec 2014- $623,787
Dec 2015- $786,335  Sold real estate worth 95K but the rest was all saving!

Did not reach our goal of $800k but set a goal of $900k for 12/16
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on January 13, 2016, 08:49:01 AM
End of 2014: 41.3K
End of 2015: 77.9K
Difference: + 36.6K.

 $7K of which is RE gains, but conservative, since we put $7K into one unit in our duplex (DIY), which allowed raising the rent from $815 to 980.

Total debt (including our own duplex and a SFR) went from 246.1K to 228.8K, so -17.3K.


Changes this year:
 My wife found out early last  year she'd be losing her job within a year. Started a new job late last year for about the same pay, but longer commute.
We changed one of our cars to a cheaper one, going from a 2011 CR-V that we owed money on to a 2005 Honda Civic Hybrid we paid cash for.
Bought 2 acres of land to eventually build a cabin on. We decided to borrow money for that, since we had some specific desires for land that only 1 or 2 parcels out of hundreds for sale in the area we wanted to be in met the requirements of for us. ($12K cost for the land.)

Overall, more steps in the right direction! YNAB has really helped me get a good foothold this year, and what's not reflected in the NW is going from basically a few hundred in cash on hand 2 years ago and barely staying afloat debt-wise to regularly having $5K+ in the checking account now, and staying on top of periodic bills, payments, etc.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: GuitarBrian on January 13, 2016, 07:16:20 PM
Jan 2015 - 260k
Jan 2016 - 317k

Increase - 57k


Notes:

I feel really good about this increase. Savings rate was just above 50%. Spent less than 3k per month, total... including all business expenses and other rental property expenses, not just personal expenses.

Net worth will depend on real estate values.. But my goal is to add at least 35k to the stache.

Here we go 2016!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: del84 on January 17, 2016, 04:32:53 AM
Beginning of 2015: $672,845
End of 2015: $774,000
Increase: $101,155

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: iris lily on January 23, 2016, 06:53:14 AM
We ended the year down, there was a loss to our net worth..

But thats ok, we retired this year and are spending down the stash. Its still scary, after years of $100,000+ jUmps to see it go in the opposite direction.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 23, 2016, 12:04:11 PM
We ended the year down, there was a loss to our net worth..

But thats ok, we retired this year and are spending down the stash. Its still scary, after years of $100,000+ jUmps to see it go in the opposite direction.

I can see this being very difficult as well, going from saving to spending. It will take a mental adjustment for sure.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: ETBen on January 25, 2016, 04:55:54 AM
Dec 2015: $390k
Dec 2014: $140k

... 2014 would be my half of the home we shared but also my half of the ridiculous debt my ex  had generated.

... 2016 should show a $50k jump from savings alone.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 01, 2016, 12:59:50 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sw1tch on December 02, 2016, 12:26:57 PM
Subscribing to post mine after the new year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 02, 2016, 05:49:45 PM
Topic title edited for 2016.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 03, 2016, 12:34:25 AM
Posting to follow, and following to post at end of year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mr_orange on December 03, 2016, 06:34:03 AM
We're on pace to increase about $260k in 2016.  We'll probably finish around $1.43M for a roughly 18% increase.  That's very close to our geometric mean of over the last 13 years which means we should double roughly every 4 years. 

2017 should be our lower-bound assumption FIRE year. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 03, 2016, 08:09:13 AM
At this point, I'm up about 22%, but we'll see what happens by year's end.  Wow, hard to believe it's December.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: t5inside on December 03, 2016, 08:50:00 AM
Quoting November since December isn't over yet:

November 2015: $124,767.32
November 2016: $218,918.18

Increase: $94,150.86

Looking forward to cracking $300k in '17!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 03, 2016, 09:05:13 AM
About 7% this year FIRED but with zero withdrawal
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on December 03, 2016, 09:34:08 AM
Up about $70k during FIRE. That's cool.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MVal on December 03, 2016, 08:22:22 PM
Dec 2015: $50K NW
Nov 2016: $78K NW

If all goes well, I should reach $80K before the end of the year/this month with my bonus coming and most of that going into the 401K. I will max out my 401K for the first time this year, a feat I am fairly proud of at my 40K income. The rest of my additions this year are from HSA, IRA and regular savings contributions.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 03, 2016, 08:51:15 PM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Nov 2016 $246k

We still don't have much invested in shares and what we do have hasn't performed overly well so the increase is almost entirely from saved wages. As always I have excluded my student loan and our super annuation accounts (NW would be higher if both were included)

2017 is the year we need to make some housing/investment commitments.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ender on December 03, 2016, 08:56:01 PM
Looking like this year will be about $30k is all...

Lots of expenses this year, between college, new cars, and buying a home. Thinking that next year we will recoup a bunch of that, plus since I calculate our house value at (appraisal * 0.94) our 20% down payment this year immediately dropped us about $10k worth of net worth.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zikoris on December 03, 2016, 11:58:40 PM
So far, we're up $65,509 since January 1st - from $169,220 to $234,729, and we still have four paychecks before year end, so we might clear 70K, which would be out biggest annual net worth increase ever, by far. It's definitely fun reaching the point where compound interest starts to really kick in and account for a bigger chunk of increases.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Abe on December 04, 2016, 12:25:02 PM
Up $100k from $190 to $290, plus infinity if you include the new baby!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on December 05, 2016, 07:28:23 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Wow two years makes a difference. Paid off my remaining Student loan debt and Net worth is at ~$145K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: infogoon on December 05, 2016, 09:34:03 AM
Posting to follow.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: attackgnome on December 05, 2016, 09:46:21 AM
11/2015: $88k
11/2016: $101k

Does not include 35k of equity from home purchase this year. Overall NW up 13k (48k if you include equity)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: spud1987 on December 05, 2016, 10:09:46 AM
December 2015: 812k
December 2016: ~1010k

Not bad but we had some tailwinds in the form of home price appreciation and a slightly up market.

Goal for December 2017 is 1.2MM. The challenge will be that our expenses increased around 20k/year since our daughter entered daycare last month.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: RWD on December 05, 2016, 09:07:56 PM
Rough numbers, comparing net worth on December 1st :
2015: + 48%
2016: + 49%
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:07:15 PM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 06, 2016, 02:09:14 PM
Holy shit, G-Dog!!  Why did you wait so long to retire??  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:31:36 PM
Holy shit, G-Dog!!  Why did you wait so long to retire??  :)

Stupidity! Pure, unadulterated stupidity! I just always assumed you work until you can collect social security. I always kept trying to find info on how much was needed for retirement, but kept only finding the traditional info (you need at least 80% of your income) - which never seemed to ring true, but it was all I would find. So many mistakes - and yet here I am. Stupid but lucky.

And once I learned about FIRE at 54 yo, if I waited until 55 yo I could officially retire from my employer, which gave me access to the group medical insurance (pay premium), and retain a small life insurance policy (at no cost). I switched over to the HSA the last couple of years for tax reasons, and for the portability. I was able to max out my 401(k) my last year,  max HSA contribution, and get another year's credit for pension calculation.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 06, 2016, 02:35:39 PM
Seems to have worked out for you!  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on December 06, 2016, 02:37:50 PM
Seems to have worked out for you!  :)

Stupid and lucky is pretty damn powerful!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dogboyslim on December 06, 2016, 02:48:13 PM
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
 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: bownyboy on December 07, 2016, 01:11:58 AM
December 2015 = £938,968
December 2016 = £1,071,771

An increase of £132,773 or 14%

At the moment a large part of our network is due to the value of our house, so I also track our FIRE fund separately.

This time next year the forecast is to be at £1,183,100, see you all in 12 months!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2016, 02:37:54 AM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15

Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 07, 2016, 09:41:27 AM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15

Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.

True, I have been watching my account balance go down, since that is where I pull living expenses from. Not fun, but watching the over pall amount stay overall fairly steady or go up is very calming.  I don't know how long this will last, but I'll keep tracking and make new decisions as needed in the future. New decision may be to spend more money - I'd probably target charitable giving first.

I wish I would have been more aware earlier - but as one boss said "you make the best decision you can with the information you have at the time". The past is gone. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mr. Green on December 07, 2016, 10:51:12 AM
2015 - $780k
2016 - $980k

My fire hose of a salary is gone now that I've FIREd so I don't expect any dramatic employment-related increases in the future. I'm glad I managed to hold out long enough to walk away from my industry for good!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: twell1 on December 07, 2016, 12:34:15 PM
2016   $2,612K
2015   $2,371K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 07, 2016, 01:03:19 PM
2015: $57k
2016: $69k

Not as good as it could have been, but about $15k that would have contributed to NW went towards buying, moving to, and setting up a house.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2016, 01:17:39 PM
December 9, 2015: $53,000
December 9, 2016: $181,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2016, 01:31:22 PM
December 9, 2015: $53,000
December 9, 2016: $181,000

300 next year? Go for it!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mickeyj on December 08, 2016, 12:46:42 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: plainjane on December 08, 2016, 07:26:57 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!

That's a huge jump, and now that you're in the positive, compound growth is working in your favour.  2017 will be awesome
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mickeyj on December 08, 2016, 07:29:47 AM
Dec 2015: -$41,453.38
Dec 2016: $12,681.38

Hurray to positive net worth!

That's a huge jump, and now that you're in the positive, compound growth is working in your favour.  2017 will be awesome

Thanks!

Let's hope so. :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: kayvent on December 08, 2016, 07:34:53 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on December 08, 2016, 07:45:22 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Congrats!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MishMash on December 08, 2016, 11:19:03 AM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

Congrats!!!  Seriously, zero was a bigger celebration for us then ANY milestone we've reached since.  It gets easier from here on out now that the compound interest isn't working against you for once.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 12:34:01 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

I've been vague about dollar amounts in this thread because they are embarrassing, but "percentage of goal" increases like this are a pretty accurate measure of our progress towards early retirement.  And they're probably more relevant than just dollar figures or annual growth rates provided without any context.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: GoingConcern on December 08, 2016, 12:40:46 PM
I started tracking my own net worth this year using excel before then I used Mint.  As of right now:

01/2016 - $350k
12/2016 - $375k

Figures above include home (paid off), 401k, cash and stock portfolio.  Doesn't include cars, jewerly, possessions etc. 

Wife is finishing up school next Spring and we will be making our last payment for her tuition this December.  2017 should be a better year with no tuition payments and my wife working full-time. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on December 08, 2016, 12:45:28 PM
Very cool to see people crossing the all-important $0 threshold (not even the slightest bit sarcastic here). Out of negative territory and on to bigger and better things! I honestly can't think of many people in my immediate friends/family that can say the same thing. Congrats to everyone for their hard work!

* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Al1961 on December 08, 2016, 12:54:22 PM
At about half way through the third year of retirement, investment portfolio is up 6.1% after withdrawals.

DW retired Nov 25 this year, and hasn't withdrawn anything (yay, federal government pension and bridging benefit!), so her investments are up ~10% so far this year. Don't expect she will start withdrawing anything for another 12-15 years.

I'll check back in the new year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on December 08, 2016, 02:57:36 PM
Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K.  November to December was +$21K, so this recent stock market rally pushed us over the $100K mark for the NW increase for the year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 08, 2016, 03:15:34 PM
Bumped from 34% of target stache on 12/31/15 to 42% as of 12/1/16 and only expect minor changes through end of year.

I am really excited by the progress people are documenting on here! 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 08, 2016, 07:34:54 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

I've been vague about dollar amounts in this thread because they are embarrassing, but "percentage of goal" increases like this are a pretty accurate measure of our progress towards early retirement.  And they're probably more relevant than just dollar figures or annual growth rates provided without any context.

So is that like a 4.6% WR? 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: tarheeldan on December 08, 2016, 08:01:28 PM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.
Congrats!
Congratulations!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 10:01:50 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 08, 2016, 10:42:07 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?

People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 08, 2016, 10:54:08 PM
So is that like a 4.6% WR?

No, and I'm not sure how you arrived at that number.  Want to elaborate for me?

People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907

Sol is going for a higher than 4% WR, I believe.

So your numerator is probably too low.  It could be as high as 0.06, from what I understand, based on some of his 50% success rate comments.

That'd put him at about a 7% WR currently (when shooting for 6%).

% of goal, as he posted, is one way to measure it.. the flipside is what's your current WR.

ERE has a long running thread like this:
http://forum.earlyretirementextreme.com/viewtopic.php?f=3&t=2640 (http://forum.earlyretirementextreme.com/viewtopic.php?f=3&t=2640)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 08, 2016, 10:57:25 PM
People traditionally use 4% SWR.  You are 86% of the way there.  .04/.86 = 0.046511627906976744186046511627907

I see. 

But your starting assumption was wrong, in this case.  I'm targeting a SWR significantly higher than 4%, in part because I think 4% is too low for a 30 year period in 95% of cases, in part because my assets don't have to last 30 years due to pensions and SS, in part because my spending level is not so barren that we couldn't reduce our expenses in the event of a market meltdown, and in part because I am supremely confident in my ability to earn more money in the future if necessary.

I don't expect that I will ever draw as little as 4.6% from my stash in a year, unless the stash continues to grow at an unexpected pace after I retire. 

If I was currently at 4.6% SWR, I wouldn't be going to work nine hours from now. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OlyFish on December 08, 2016, 10:58:25 PM
Started at -105000. Will end around 50000. Our house has appreciated about 5% and I maxed out 403b, 457, and HSA, as we'll as paying off about $4000-$5000 a month in debt and putting $1000 a month in index funds.

I don't think 2017 will be quite as much as I will be on maternity leave and unable to earn bonuses for 1-2 quarters, which make up a good $60000 of my income annually.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 08, 2016, 11:06:41 PM
Nicely done... I've seen a few recently FIRED people post in various threads that their balances have gone up instead of down.

Hindsight is a wonderful thing (FIREing earlier) but I don't think anyone will be too unhappy seeing their numbers continue to go up.

Your net worth pretty much darn well better go up in FIRE, most of the time, if you don't want to head for ER failure.

One big reason: Inflation.  If your numbers aren't going up (which is a nominal amount), your portfolio won't be able to keep up as your expenses inevitably rise.

Sure, some years it might step back a bit (I mean, you are withdrawing roughly 4% of the value, and sometimes market gains are meh, or negative), but the overall trend should be up.  And most cFIREsim runs have the lines going up and to the right--your portfolio gaining value (and that IS in real dollars, so gaining massively in nominal dollars)--as your portfolio gains vastly outstrip your withdrawals.

In fact, I'd consider it a huge red flag if it's not growing most years, or hasn't after a number of years (unless it grew for awhile, but there was suddenly a crash--that's fine, and normal, and to be expected, and it will come back... but if it's not growing at all, it's something to keep an eye on).

Here's a whole thread from earlier this year asking "Has your networth grown since you Fired? (http://forum.mrmoneymustache.com/post-fire/has-your-networth-grown-since-you-fired/)"

In it, the OP asked:
How common, do you think it is for your net worth to continue to grow after retiring early?

So I ran some cFIREsim numbers to get hard data on how common that would have been, historically.

Very, very common.

The longer your ER, and more aggressive your investment strategy (i.e. more equities), the more likely it is.

For example, using cFIREsim default numbers (40k spend, 1MM portfolio for a 4% SWR, 75/25 allocation, 30 year retirement--95.69% success rate), out of 116 total 30-year periods, after 30 years:
In nominal dollars, 19 of them ended with less than the 1,000,000 you started with.  97 ended with more.
In real (inflation adjusted dollars), 41 ended with less, 75 ended with more.

So if you're just looking at straight dollar amounts (which most of us tend to do, we don't naturally, intuitively discount for inflation), about 84% of the time your portfolio would have risen (and, in real dollars, 65% of the time it would have risen).

That's with you spending down on it year after year, not earning another dollar, not adjusting your withdrawals down in bad years (down markets) or as you get older and spend less.

The majority of the time, portfolios go up if you're using a 4% WR and have a decent (> 33%) amount in equities, with us doing nothing (and we tend to do something if things start going wrong).

If my net worth wasn't growing (not every year, but over multi-year periods), I'd look at that as a caution sign to take a closer look.

(Emphasis added.)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Unique User on December 09, 2016, 01:08:43 PM
We're looking at about a 17% increase this year and we went over the seven figure mark, yay!  Last year was only 11%, but we socked away almost all of our very generous bonuses this year in addition to all the regular funding.  Too bad bonuses will be way down or nonexistent next year.  We both kept our jobs amid layoffs so I have no reason to complain. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Landlady on December 09, 2016, 01:19:38 PM
It was a big year for property values for Seattle which is where my 2 rental houses are. We're also building a house this year but I excluded any property value increases for that land since I can't rent out a house without windows. :)

Including property value increases:
2015: $1,091,507
2016: $1,415,323
NW increase of: $323,816

Excluding property value:
2015: $345,907
2016: $408,924
NW increase of: $63,017
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: horsepoor on December 09, 2016, 01:51:38 PM
Not tracking my overall NW, but it looks like my retirement account is up about $43K since early January.  If the market is at least flat next year, I'll break the $200K mark.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: freeedom on December 09, 2016, 04:49:25 PM
12/31/15 - 71k
12/16 - 130k

Pretty amazing growth.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 11, 2016, 10:15:36 AM
12/31/15 - 71k
12/16 - 130k

Pretty amazing growth.

Nicely done!

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 11, 2016, 11:18:36 AM
Made roughly 7.5% this year.

Friday's net worth was $1,758,000 plus a pension in the UK with a contract out value of about $400,000.. Of course that varies greatly with currency exchange rate.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: morninglightmountain on December 11, 2016, 03:52:52 PM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Glenstache on December 11, 2016, 10:09:22 PM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Good work! Also, is your handle a Peter Hamilton sci-fi reference?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Socmonkey on December 12, 2016, 05:25:57 AM
January 1st 2016 NW = $118K
Current NW = $171.5K

That's + $53.5K

Done on a yearly income of $63K, and still have two more paychecks to go this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on December 12, 2016, 06:07:23 AM
I'm not very good at keeping accurate records due to the fact my investments are in GBP, my wife's in USD and we get paid in RMB.

Anyway, rough figures, give or take a $1k or so:

January 2016 - $155k
December 2016 - $225k

Still seems an incredible sum of money to me, given that we started out on our journey about 2 1/2 years ago!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mrteacher on December 12, 2016, 06:22:41 AM
1/1/15: $64,049
1/1/16: $93,782
At present: $137,812 (2 paychecks left until 1/1/17)

I made roughly $60k-$65k in that period.

Maxing my 403(b) this year went a long way in boosting the NW (as did maxing my Roth, which I have done the last 4 years). Looking forward to putting away $18,000+$5,500 again this year --- and many years thereafter!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mskyle on December 12, 2016, 10:01:31 AM
I'm really glad this thread prompted me to look into this, because the numbers were actually way better than I would have guessed. Month to month the change is not always that impressive but over the course of the year, wow! My NW increased by about* 50% this year, putting me at around** 20-25% of my FIRE number. This is mostly index fund investments, no real estate. And I still have student loans at 2-3.5%.

I've had significant salary increases over the past several years (my current salary is about 2x what I was making from 2010-2013 and almost 3x what I was making before 2010), which has obviously made it way easier to save. I expect 2017 to be a good year for my net worth as well, with some big one-time expenses being cancelled out by some one-off windfall-ish kinds of things.

*The fuzziness is because I wasn't carefully tracking all my old 403(b)s at the beginning of the year and this year I rolled all of them over into my IRA and closed the accounts, so I'm not 100% sure how much they were worth a year ago.

** FIRE number is also fuzzy because we plan on moving to at least a somewhat lower cost of living area when I retire but haven't worked out the exact numbers on that yet. I also suspect I'm going to be a little bit prone to one-more-year-itis, sigh.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: morninglightmountain on December 12, 2016, 10:20:26 AM
Note: I've only learned about mustachianism in the past few months, but have always been relatively frugal.

12/1/15 NW: $48K*
12/1/16 NW: $86K**
*net of $10K owed on auto loan @ 0%
**net of $6K owed on auto loan @ 0%

I'm on track to retire in 6 years, at 35, if I can successfully transition to rental property investments at that time.  If I stay with passive index fund investments only, I can retire in 9 years.
Good work! Also, is your handle a Peter Hamilton sci-fi reference?

Thanks, although I could've saved so much more.

It is indeed! I hope he writes more in the Commonwealth universe.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 12, 2016, 06:29:57 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: givemesunshine on December 12, 2016, 10:01:00 PM
My NW figures;

31st Dec 2015 - $161K
31st Dec 2016 - $195K

Happy with this as I have had some big medical expenses this year (~$5K) and other expenses ($2K) which I felt had set me back - it's always nice to see the numbers though and remind myself that I still increased by +$34K (>20%) in under 12 months.

My aim is +50K in 2017 - onwards and upwards!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 12, 2016, 10:28:07 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

Congrats on the FIREing!!!  Woo hoo!!!!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 13, 2016, 12:25:52 AM
This has been an uncommonly good year for us. It looks like our non-home equity stuff went from somewhere around 33%. I believe the increase was this big as a percentage because we sunk a bunch of savings into an HCOL house down-payment a few years ago. So my salary was large relative to our savings, and it was filling in the hole. Including the home it looks like we're up about 20%.

We are selling the house at a huge profit next year and moving to New York, which will bring our invested assets close to our FIRE number. We will probably ride our jobs for a year or two more, since we'll go from having "enough" to "enough and plenty more besides." I also want to see what Donald Trump does with this country before making any hasty decisions.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ASquared on December 13, 2016, 12:35:36 AM
2016 - 637K (current, should actually be a little higher)
2015 - 553K
2014 - 502K
2013 - 405K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dude on December 13, 2016, 09:49:26 AM
Roughly 15% growth in NW over the past year.

Nov. 24, 2015:

NW - $962,090*
Invested - $782,026

Dec. 12, 2016:

NW - $1,127,947*
Invested - $902,232

*excludes the roughly $315k value of my wife's parents' home, which was transferred to her roughly a decade ago; I just like to personally count the net worth we've built together from "scratch" (so to speak)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 13, 2016, 09:57:20 AM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on December 13, 2016, 04:52:40 PM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: anotherAlias on December 13, 2016, 05:53:21 PM
Wow, how have I missed this thread the past few years.  These are the numbers I wait all year to tally.  For perspective, I'm including numbers as far back as I started tracking.

2011 - 72k
2012 - 139k
2013 - 217k
2014 - 284k
2015 - 332k
2016 - 431k if markets hold til the end of the month
 Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 13, 2016, 07:17:21 PM
Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.

Wait about three more years, and your month-to-month variation will sometimes exceed your entire first year's contribution.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFisherman10 on December 13, 2016, 07:35:11 PM
1/1/15: $64,049
1/1/16: $93,782
At present: $137,812 (2 paychecks left until 1/1/17)

I made roughly $60k-$65k in that period.

Maxing my 403(b) this year went a long way in boosting the NW (as did maxing my Roth, which I have done the last 4 years). Looking forward to putting away $18,000+$5,500 again this year --- and many years thereafter!
Nice! I'm about "2 years behind you" and hoping to replicate those numbers. Like I'm currently at ~65k and hope to make it to 95 or 100k next year.

As for this past year:
12/13/15:  37,708
12/13/16: 69,416
(Increase of 84% !)

"Invested" went from 19,447 to 44,188 (but should be another 17.5k higher if Vanguard would quit dragging their feet on getting my taxable account opened these past few weeks! I'm kinda bummed about missing these recent run ups :/ it's on me for having that much cash out of the market , but I was thinking it would be best to save up for a house dp outside the market for a while this year )

Sent from my SM-G900V using Tapatalk

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: MishMash on December 14, 2016, 08:40:29 AM
This was our first full year tracking, and a horribly expensive crisis riddled year for us.  Number includes equity in the houses (no price appreciation from purchase though) and stocks were only up 1% across accounts in 2015 so this is pretty much all contributions.

Dec 31 2014: 721,425
Dec 31 2015: 823,141

2016, barring any more disasters (pretty please 2016, can we have one year without monumental bad luck...please...I promise I'll be nice to the woodland creatures, and perhaps temper my anger towards fellow DC drivers if so) should be a much better year, and will hopefully be our million dollar year through our own contributions.  There is an inheritance coming that will likely push us well over that mark but we want to hit it through our own contributions.

r.

Caveat this with we received part of the inheritance this year (in the early part of the year while the markets were down), and sold our rental house.

Dec 31 2014: 721,425
Dec 31 2015: 823,141
2016 1.459m barring an end of year drop

We did hit the million mark this year on our own, including house equity (but not appreciation) but we also spent more then we should have on a LOT of fun experiences (3 weeks in Europe, a tuna trip, a diving trip).  DH was determined to make this an epic year for good memories after how shitty last year was, and I kind of agreed with him, there was a lot of unexpected death and tragedy last year.  2017 we will be back on track and living cheaply
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hoosier on December 14, 2016, 09:48:46 AM
Jan 1


2014: 238K
2015: 264K
2016: 292K
2017 (p):397K
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Enigma on December 14, 2016, 09:50:16 AM
31Dec2015 - NW $860K US
14Dec2016 - NW $993K US

Net Worth Increase of $133k with one more paycheck to go and possibly a couple residual rental checks at the end of the month.  Doesn't look like I will cross the $1Mil US mark until Jan17.  I was so close at meeting the threshold but kept paying off end of the year expenses to stay under the mark (23k property taxes & 5k Dec insurance premiums)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 14, 2016, 09:55:38 AM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?

Completely changed careers from retail management to Enterprise Software sales in 2015.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: rob in cal on December 14, 2016, 03:11:00 PM
  1/1/16 total assets including house/IRA's etc about 800 k.
  12/15/16 total assets somewhere around 860k.  Would be stronger growth but the housing market has been pretty flat so I didn't calculate any growth in housing value this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Landslave on December 14, 2016, 08:19:45 PM
We have seen rebound appreciation of depressed real estate add to a lot of our value this year. And I had a killer business year last year.  Total net worth up about 20%.  But, because we are not levereged at all, and because we annuitized some of our stock holdings (did it right in 2003 at 7.2% fixed return) it is coming a little slower than it could.....but much of it is 100% secure and that makes me happy inside.  Real estate is yielding well now and we hope to buy 3 more houses as the proceeds accumulate.
We hope that our 401K and SEP IRAs will yield about 1/3 to 1/2 what the annuity will without touching princ. by the time we retire, too.

My FIRE date about 6 years away when I am 59 and wife's about 3 years when she is 61.  At that time, all going to plan, we will have replaced our working incomes entirely on interest alone, which is cool.  Instead of saving it, we can spend it!




Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: letired on December 14, 2016, 09:47:35 PM
1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

That's impressive! What changed this year?

High five on the successful career change!! That's awesome!

Completely changed careers from retail management to Enterprise Software sales in 2015.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 15, 2016, 10:04:06 AM
Bumper year for us.

Shot up from 67% of target to 79% of FIRE target so far.

Waiting on retirement fund manager reports in Jan, and with the good share market I could prob expect another $30K as a cherry on top for the year.

Good year in real estate, plus an extremely high income year from my job.

Expecting realestate to flatline in 2017, but high employment income to continue for at least 1 more year, if my job doesn't kill me in the mean time. Lol.

No idea what the share market might get do in 2017,  but we'll keep accumulating and increasing our exposure.

Approx: Net Worth composition as of today:

- Real Estate 60% (still 50% leveraged. Currently renting my abode and will look to buy somewhere at FIRE))
- Stocks (post tax) 10% (mostly index funds, plus a few other odds and sods)
- Retirement funds 28% (Australian Superannuation - growth focussed so mostly stocks)
- Pension (Discounted valuation) 10%
- Cash 2%

Working on increasing share market exposure % in 2017, with all savings to be directed there, as opposed to retiring real estate debt.

Think NW at FIRE will be:

Home: 25%
Investment real estate: 20%
Pension: 8%
Bonds: 5%
Stocks: 45%
Cash 2%


Thinking maybe 2.5 years to FIRE, but might pull the trigger a little earlier and roll the dice on picking up some post RE non-investment income.




Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: KelStache on December 15, 2016, 10:18:49 AM
With my first full year of working, and husband recently finishing school/starting work it's been a good year :) With our wedding and husband only working a few months, this should continue to improve in 2017.

Net worth Dec 2015: $1,270
Net worth Dec 2016: $38,700 (includes $5K honeymoon fund)

Increase : +$37,430
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zoot on December 15, 2016, 11:10:46 AM
December 2014:  $696K
December 2015:  $761K
December 2016:  $878K

Wow--how is that even possible?  But there it is in black and white in my spreadsheet, so it must be true.  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 15, 2016, 11:59:24 AM
I was up so much in the first 6 months, and down from there, I started to get depressed.  But my 1-year increase is still great, so I guess I shouldn't cry
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: recklesslysober on December 15, 2016, 12:53:42 PM
Posting to follow for inspiration and also to mark the start of my foray into MMM. I started using YNAB in January 2016 but didn't start posting on MMM until November 2016. I'm amazed at the changes in my life already after only 6 weeks, so I'm looking forward to seeing what a full year of this can really do. 

2015: -$133,000
2016: -$110,000 (+$23,000)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 15, 2016, 01:08:11 PM
Seeing this topic in the list of unread threads for a long time now prompted me to do the calculations for us It's off by 2 weeks (30 Dec 2015 to 15 Dec 2016), but whatevs.

2015: 1214953.98
2016: 1472968.49

Delta: 258014.51

Wow!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 15, 2016, 02:03:56 PM
Seeing this topic in the list of unread threads for a long time now prompted me to do the calculations for us It's off by 2 weeks (30 Dec 2015 to 15 Dec 2016), but whatevs.

2015: 1214953.98
2016: 1472968.49

Delta: 258014.51

Wow!

Awesome.. I made about half that with almost no salary contribution and an 80/20 stock/(bond+cash) portfolio on a slightly bigger portfolio.

What are you doing? Robbing banks?..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: acooper610 on December 15, 2016, 02:38:17 PM
Dec 2014 - ($10k) NW, graduated college with engineering degree, owed parents $12k for college.
Started working in early 2015
Dec 2015 - about $20k NW, still owed parents about $6k. Cheap COL, several roommates
Dec 2016 - $71k NW according to Mint, started reading MMM in April or May 2016, paid parents back.

Not bad for 24 years old!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 15, 2016, 02:42:03 PM
Our AA is probably something like 95/5 and our baseline auto contributions plus match should have come out to $133k this year. If any extras like RSUs or bonuses come in during the year, then those get saved. I don't have the details in front of me now to know exactly how much we funneled in and how much was investment gains, but it is cool to see how powerful a few percentages up in market turns into some serious dough.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 15, 2016, 02:47:52 PM
Dec 2014 - ($10k) NW, graduated college with engineering degree, owed parents $12k for college.
Started working in early 2015
Dec 2015 - about $20k NW, still owed parents about $6k. Cheap COL, several roommates
Dec 2016 - $71k NW according to Mint, started reading MMM in April or May 2016, paid parents back.

Not bad for 24 years old!

Not bad?.. Thats fantastic.. Well done..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: gimp on December 15, 2016, 03:20:13 PM
I guess it's pretty close to the end of the year, right? Short of someone in high political office tweeting something ludicrous, stock prices probably won't move much. Net worths figure in all investments, savings, and loans.

BS graduation: mid-2014; loans: ~$38k at graduation

2015: $87,698
2016: $151,595
Delta: + $63,897 + fun car ($0 on net worth sheet, ~$20k to buy and register)

About $20k less than last year, which is hardly surprising given the above. Still quite decent.

Looking forward to seeing the kind of numbers some of you folks are seeing, some day.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 16, 2016, 12:13:55 AM
I get paid next week so there's still a bit of inflows to come before the year is out.

Suffice to say I'm tracking almost exactly the same increase as last year at about +178k.

Bricks and Mortar... it just rained growth again this year. Will post a final figure on 31 Dec and roll on 2017 when I should cross $1m :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 16, 2016, 12:59:18 AM
I get paid next week so there's still a bit of inflows to come before the year is out.

Suffice to say I'm tracking almost exactly the same increase as last year at about +178k.

Bricks and Mortar... it just rained growth again this year. Will post a final figure on 31 Dec and roll on 2017 when I should cross $1m :)

Killing it, as always. Well done.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hoosier on December 16, 2016, 11:15:42 AM
January 1.  Everything but the house.  No debt.

'14: 238K
'15: 264K
'16: 292K
'17: 394K (projected)

This year is a little misleading due to the dump the market took in the end of December last year where I dropped about $30K in a week.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 18, 2016, 04:48:20 AM
January 1.3 M
December 1.575
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dividendsplease on December 18, 2016, 06:12:44 AM
end of 2015: 27,198

found MMM

end of 2016 proj: 81,257
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gerard on December 18, 2016, 09:53:59 AM
It's heartening to see people's net worth go from negative to positive.

I'm up about 32K this year, but I went back and did all six years for which I have data, and it was a really reassuring upward slope.

I hadn't actually done this look-back for a while, so thanks, OP, for reminding me!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on December 18, 2016, 11:15:30 AM
First time posting but I have been reading for a while.  I was relatively money conscious prior to finding MMM but my awareness has definitely gone up since reading this blog and others over the past 8 months or so.

NW Gains by year:
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$64,400 (projected)

These are inclusive of property value increases.  We bought our first home in 2014 and spent a lot of money on household wares/improvements/stuff, that's why the increases stagnated a little bit.  We got our heads on straight in late 2015 and then kicked into a higher gear this past year.  Altogether my personal expenses were reduced by almost $18k (I was really spending like a drunken sailor in 2015 apparently) in 2016 compared to 2015 and there is still room for more improvement.

I'll revisit this post after December 31 to see how accurate my projection was.  Maybe I'll include some info about our combined NW change as a couple (numbers above are just me).
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on December 18, 2016, 01:28:14 PM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

We're now at just around $30k, depending on how the market is going. Hoping to finish the year around $33k, but we will see.

I think $30k in one year isn't too shabby, considering we make about $90k per year, paid two months of overlapping rent, and got married.

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 18, 2016, 02:58:41 PM
Haven't gotten the end of year dividends from Vanguard and can't see the earnings info on our 401ks at the moment, so this is just an approximation..

As of today, at least $100,000.   That assumes a flat market.

I'm going to move stuff from all our old 401ks into Vanguard at the start of the year so I can get better visibility, streamline things, and get better returns.  Don't want to take a chance on losing out on the end of year dividends from the old accounts
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zaga on December 18, 2016, 05:46:08 PM
I like the idea of what % of FI we are each year.  Pretty standardized that way!

Jan 1 of 2016 =19% FI
Jan 1 of 2017 ~27% FI (we are at 26% now, end of year contributions are larger than other months)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 18, 2016, 05:59:52 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on December 18, 2016, 09:31:15 PM
Haven't gotten the end of year dividends from Vanguard and can't see the earnings info on our 401ks at the moment, so this is just an approximation..

As of today, at least $100,000.   That assumes a flat market.

I'm going to move stuff from all our old 401ks into Vanguard at the start of the year so I can get better visibility, streamline things, and get better returns.  Don't want to take a chance on losing out on the end of year dividends from the old accounts

Mutual fund distributions will generally reduce the net asset value of the fund, so it generally will be a wash. You won't lose out by moving stuff now.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on December 18, 2016, 10:30:48 PM
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

(http://i.imgur.com/QGGkgmR.jpg)

Not expecting those real estate gains to continue...
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on December 18, 2016, 11:40:21 PM

Not expecting those real estate gains to continue...

I said this a year ago. It did :D

Dare I say it again this year?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 19, 2016, 11:23:18 AM
Wow, if your investment account is increasing by 3x gross earnings I would presume your days earning "gross earnings" are very limited in number.

Even if you were spending 100% of current gross earnings you would have accumulated a further 2 years of spending in a year of being FIRED. That's a lot of growth.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: PhrugalPhan on December 19, 2016, 12:17:32 PM
Not including any real property (house / car / misc.):  I started the year at $540k in investments (not including savings).  As of this week, I am around $670k in investments.  My savings total hasn't really moved.  So a $130k investment increase on a $90k salary (and $20k yearly expenses).  I could get used to this.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Tigerpine on December 20, 2016, 08:04:16 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 20, 2016, 09:50:47 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!

Awesome!    Keep that up and you'll be in great financial shape really fast.  And the rate of accumulation accelerates as time goes by, especially as you're now in positive net worth land!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on December 21, 2016, 09:55:07 AM
Dec 2015: $65,356
Dec 2016: $106,701

+ $41,345

My (ambitious) goal for 2017 is to hit $150k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 21, 2016, 11:45:51 PM
This %FI idea is fantastic. I didn't post raw numbers before because it would seem like bragging.

Start: 69%FI
Finish: 84%FI (+15%)

!! This is a rough estimate because I deleted my Mint this year in a random panic and only started back on tracking midway through the year. I don't have exact numbers on what my networth was at the start of the year, so I'm just working backwards from my income less expenses, and the one-year view of Personal Capital's YouIndex.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mousebandit on December 22, 2016, 04:40:01 AM
Aug 2015 discovered MMM
Dec 2015. NW $96,470
Dec 2016. NW $269,100

Increase: 172,630

The vast majority of this is from selling our old homestead and buying a new one, but it feels good, liquid or not. 

Not sure yet for 2017 goal, but it will include $37,500 in liability reduction, and maybe another $25,000 in savings.  Shooting for a 50% or better 2017 SR.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: happy on December 22, 2016, 04:43:01 AM
My net worth increased by a tidy sum, mainly due to increase in  the value of my PPOR.
In terms of liquid stash, I went from 71%  of RE target to 80% of RE target.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hikeandbike on December 22, 2016, 09:08:46 AM
2015 - $421,845 (all investments, no house - I'm a renter)
2016 - $500,240 as of today I hit that magic number!!

Net increase - $78,395
max'd 401K, added about $15K to my taxable accounts through business, rest is investment returns on my index fund/bond mix at Vanguard.


Good year...time to go hike in the woods for awhile.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FireHiker on December 22, 2016, 11:41:03 AM
My first time joining in here:
2015: NW $954k total, NW not including home equity $513k
2016: NW $1.151M total, NW not including home equity $619k

There is still a TON of fat to trim in our spending, but we've increased our NW $106k this year not including our home equity. Some cash savings/bigger contributions to 401K accounts, a lot is market gains. Oh, I didn't include the HSA in those numbers, but it's only about $5k. Since we will sell and move to a lower COL location in retirement we will use our home equity to buy something outright and probably to pay for the younger two kids' college expenses. We want to travel extensively in retirement, and my husband is not as willing to live as frugally as I am, so our target NW for retirement is probably higher than the average here. We haven't settled on the "magic" retirement number yet because we're still in discussion on it. He wants $2.5M plus owning a home outright. I think that's overkill and think half that is adequate for a comfortable retirement.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 22, 2016, 12:44:36 PM
My first time joining in here:
2015: NW $954k total, NW not including home equity $513k
2016: NW $1.151M total, NW not including home equity $619k

There is still a TON of fat to trim in our spending, but we've increased our NW $106k this year not including our home equity. Some cash savings/bigger contributions to 401K accounts, a lot is market gains. Oh, I didn't include the HSA in those numbers, but it's only about $5k. Since we will sell and move to a lower COL location in retirement we will use our home equity to buy something outright and probably to pay for the younger two kids' college expenses. We want to travel extensively in retirement, and my husband is not as willing to live as frugally as I am, so our target NW for retirement is probably higher than the average here. We haven't settled on the "magic" retirement number yet because we're still in discussion on it. He wants $2.5M plus owning a home outright. I think that's overkill and think half that is adequate for a comfortable retirement.

You know the really cool thing about these posts is that folks are measuring their financial growth and seeing progress.. Even if we get negative returns in some years we can over time see a steady march upwards in our financial wellbeing.

So many families just exist.. they either stay where they are or dig themselves a deeper financial hole, mainly because they never measure their NW or do anything to positively influence it.

We have about what your DH wants and our basic expenses are about $30k per year... Do you know what your annual living expenses are out of interest?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FireHiker on December 22, 2016, 01:39:50 PM
Exflyboy, do you mean our current annual expenses or projected for retirement? Our current annual expenses are obscene and nothing like what retirement will be. I have tracked every penny in and out since mid 2014, before finding MMM, so I know what we spend now, and I'm using it to scale down to what I think retirement will look like once kids are launched and we downsize our home. Once we use our home equity to buy a (much smaller, much cheaper) home outright, I estimate our annual expenses without travel to be around the $25k mark. If we add an outrageous travel/recreation/fun budget of $2k per month, that still only ends up being about $50k a year, which is how I determined the $1.25M being adequate. I assume we will settle somewhere around the $2M mark in the end so that we have a bigger buffer for his comfort level.

And I agree with you about how great it is to see everyone here measuring their progress over the year and being aware of their financial picture. I know far too many people IRL who wouldn't even know what net worth is, or think they could do anything differently. I'm really thankful for the community here.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 22, 2016, 02:10:12 PM
Invested b/c thats really what matters:

2015: 250k
2016: 450k

Home equity:
2015: 70k
2016: 150k
Moved to a bigger home bought below market value.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 02:57:47 PM
My turn:

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

2015 - $713k
2016 - $896k - assuming flat markets next week.

Out of this, only $210k would be considered net investments (taking out house equity and super). So therein lies the "problem" I have... not enough liquid, cash flow generating investments.

Something to solve in 2017.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 03:10:28 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: GoConfidently on December 23, 2016, 04:45:44 PM
My net worth tripled this year. Yes, I'm new to this and so it was low to begin with but I'm still super proud of myself!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 23, 2016, 04:52:46 PM
My net worth tripled this year. Yes, I'm new to this and so it was low to begin with but I'm still super proud of myself!

So you should be!.. Well done..
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on December 23, 2016, 05:36:05 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)

I'd love to see it! Though it will probably make me regret selling our duplex.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 06:20:30 PM
Nice work, Marty.

I also have seen huge RE gains (though I don't have to take out the value, because mine provide lots of cash flow besides appreciation, per our different investing strategies we've discussed--rather than it being a "problem" towards FIRE, it vastly speeds up FIRE and makes it more secure versus sequence of returns risk).

I wrote a WHOLE long post for this thread a week ago actually, to give people a look at what net worth growth for a real estate investor can look like, complete with animated gif, years of data, financial goals in FIRE, etc.

Then I sat with the tab open, not posting it, for days, because of a comment someone made on their journal.  I finally cut and pasted it to a notepad file and saved it and closed the tab, and am still debating posting it.

Suffice it to say, RE investing is stupid (in a good way).  :)

I'd love to see it! Though it will probably make me regret selling our duplex.

I would like to see it too. I appreciate we have have different views on what constitutes a good real estate deal, however that is due solely to unconscious (or conscious) bias with respect to our home markets.

Cash flow is certainly safer IMO, but it's very difficult to play that game and put your foot in that sandpit in Sydney.

I've worked within how our market is structured. It's just the way things have always been here. When the government is reluctant to change the rules towards a cash flow bias instead of capital because they're worried they'll be thrown out of office, then you can only go along with it.

You guys have a saying... "Don't fight the Fed"? It's unreasonable to be a contrarian when the herd has been moving in one direction for 35 years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 08:18:48 PM
Our bigger disagreement is on the fact that you feel you have to invest in your local market, and I feel it's better to go elsewhere for a better deal if my local market doesn't meet my criteria.

Going for cash flow or appreciation both can work, but the latter is just too much hope for me.  A lot of times it works out though, as long as you aren't the greatest fool at the end of the line.

When you are getting paid cash flow all along the way (which funds more properties in accumulation, or funds your FIRE), and then appreciation that you eventually might tap, or not, well, I just can't see why not to go for that. Much safer, much better feeling to have those checks deposited in your account monthly.

And if that isn't available where you live, invest where it is.

:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ender on December 23, 2016, 08:55:18 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 23, 2016, 08:57:08 PM
Taking carefully calculated risks is the best path to success, IMO.

EDIT: Index funds will definitely get you there. Slow and steady definitely wins the race.

For someone very conservative, that may be the best path. Of course, for someone more conservative, CDs and a 1% WR might be the right path.

As with all the trade-offs, you're adding years of work by not adding some risk (which you can mitigate with education--I'd argue it's not riskier at all, if done right) and by adding work in the short term (it is definitely more work up front, though less than a full time job for extra years).

I mentioned in my analysis how many extra years we'd have had to work (we'd still be working) if we were saving up for a traditional 4% WR.

Your reluctance to invest elsewhere is understandable, but just means you need to spend time educating yourself on how to do so safely, IMO. :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: flamingo25 on December 23, 2016, 10:44:28 PM
2014: $291k
2015: $377k
Projected end of 2016: $448k

We were hoping to make a 100k increase but we had some significant unexpected expenses this year (mostly repairs on our old house).

We also had our first child in late 2015 and I quit my job to be a stay-at-home mom. All things considered I feel like we did pretty well.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 10:58:00 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2016, 10:59:12 PM
2014: $291k
2015: $377k
Projected end of 2016: $448k

We were hoping to make a 100k increase but we had some significant unexpected expenses this year (mostly repairs on our old house).

We also had our first child in late 2015 and I quit my job to be a stay-at-home mom. All things considered I feel like we did pretty well.

Up $70k while on one income and a growing family is a huge effort - well done!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: gb8895 on December 23, 2016, 11:06:25 PM
Approximately from
2015 $550k
2016 $950k

A good deal of this increase was in presumed home value... I don't really believe the Zillow numbers but this is what Mint plugs in for you.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 23, 2016, 11:17:53 PM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant... :P
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on December 24, 2016, 12:23:16 AM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant... :P

Question is, how will I bring myself to raise the rent on you and your DH each year?

Or are you banking on that? ^_^
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 24, 2016, 02:18:15 AM

Question is, how will I bring myself to raise the rent...

I know one of your tenants. We'll unionise! :P
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 24, 2016, 02:24:03 AM
And if that isn't available where you live, invest where it is.

I've actually considered this, but having no rental properties locally makes it harder for me to consider investing in something I'm less experienced with and outside my current location.

Property in my current city doesn't come close to netting 1% of purchase price in rent (both rents and housing prices are going up about the same, too). But I'd be hesitant to buy real estate very far away as my first property.

I bought 350 metres away from where I live as my first investment.

My second is 350 kilometres away.

Logically by extrapolation, my third one needs to be in the Sea of Tranquility on the Moon 350,000 kilometres away :D

Seriously though, I will need to spend a fair bit more time and research on other markets before jumping in the deep end.

I'm not that far from you, and I can recommend an awesome tenant...

Question is, how will I bring myself to raise the rent on you and your DH each year?

Or are you banking on that? ^_^
Add automated rent increases into the initial lease. :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Lski'stash on December 24, 2016, 07:35:29 AM
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

(http://i.imgur.com/QGGkgmR.jpg)

Not expecting those real estate gains to continue...

This is so neat! How did you make it?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lski'stash on December 24, 2016, 07:48:08 AM
I only started keeping track of my networth a year and a half ago, after starting a blog on this forum, but

In July 2015: Net worth $80,700
In November 2016: $134, 275.

Since starting this blog, I've had a net worth increase of $53,575. Not bad, but this next year, I think, we will be able to do that all in one year. We moved this year to a downsized house that needs remodeling, so a lot of our savings right now is going towards renovations.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mrs. D. on December 24, 2016, 09:14:40 PM
I don't actually have data from end of year 2015, but here's what I do have.
Mar, 2016: ~157
Dec, 2016: ~172

+15K

Living on one modest income and raising a little one. Not as impressive as some of the other numbers I've seen but we're moving in the right direction. Goal for 2017 is to hit 200K.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rife on December 25, 2016, 05:06:12 AM
We paid back some 401k loans, market is up and my wife got a big company contribution to 401k (part for losing pension-about about 15% total). Our 401ks more than doubled from 135000 at the end of 2016 to 280000 now. Now we can start building up non-retirement accounts. Total net worth increase approximately 165000.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: waltworks on December 25, 2016, 08:26:00 PM
I'm assuming we're not counting property, which according to Zillow makes us millionaires (who's got two thumbs and waaaay too much house? This guy...)

We went from ~$400k in liquid net worth to... $400k.

What?

-DW retired to ski, ride, and hang out with the kids full time, taking her former $50k postdoc income and full benefits to zero. It was pretty funny trying to explain to other grad students/postdocs (and her boss) that she wasn't coming back...
-I cut back to about half time work.
-We spent $75k on building a nice 2 bedroom vacation-rental apartment in our basement that should bring in more than half our annual expenses.
-We took the kids on camping, hiking, and ski trips and generally hit the library and the park as much as we wanted.

So I'm ok with no net change in status for the year, really!

-W
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 25, 2016, 10:30:11 PM
That's a pretty good year, ww!  Love it.  :D
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on December 25, 2016, 11:28:48 PM
End of 2013: 26.9K
End of 2014: 41.3K
End of 2015: 77.9K
End of 2016: 120K

Difference: + 42.1K.

Changes this year:

Bought a 2nd piece of property adjacent to our first piece on which we want to build a cabin eventually. That cost us $7K out of pocket.
Had over $10K in vet bills this year, ended up losing a young (3 year old) dog to cancer, which we initially were told likely was not cancer. Spent that money out of pocket
Spent several thousand on building an outhouse, outfitting our camper and other things for our new land.
Accelerated our car plan a bit, bought a brand new Hyundai Accent for $17K. (Small stickshift hatchback with good trunk space, at least) Took out a super cheap (2.4%) loan for most of that purchase.
Wife started a new job last week. Got out of a bad situation, more base pay, more time off, 1/2 the commute, and this job looks very promising!
Had lots of overtime $ in the beginning of the year, but that was cut off about mid year.

Overall, several challenges this year, some intentional, some unexpected. Very happy with the financial outcome given the challenges encountered. Hoping to have less challenges this year! Either way, happy to hit $120K in NW this year!

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Nick_Miller on December 26, 2016, 10:14:53 AM
Our net worth almost doubled in 2016, increasing $63,186.39, up from $80,165.78 to $143,352.17. It was a combination of paying down debt, increasing investments, and some slight home value appreciation.

We are moving next year (same city), so there will be some associated costs, but I am still optimistic that we can bump up to $200,000 net worth by end of 2017.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aceyou on December 26, 2016, 10:33:50 AM
December NetWorth Update / 2016 Overview

Start of 2016
cash    $72,369
short term investments    $40,087
retirement investments    $34,544
pensions    $72,283
car values    $11,000
life insurance policies    $7,600
home equity    $111,952
Net Worth    $349,835



End of the year:
Retirement Investments    $75,991
Short Term Investments    $41,915
Cash    $46,230
Pensions    $143,669
Home Equity    $121,114
Car Value    $10,600
Life Insurance    $8,500
Net Worth    $448,019



2016 Finances At A Glance               
Our net worth increased by $98,184               
Our net worth not counting pension increased by $54,864               
We added $41,447 to our retirement accounts               
We paid off final $28,000 on your years               
We paid for rest of wife's Ed Specialist degree and 15 credits for my MA+15 out of pocket               
DW got a new job, increasing our salary by about $15,000/year.  Great job babe!!               
               
               
Looking Ahead to 2017               
We will try to fill up both of our 403/457/Roth's for total of $83,000 invested               
We will pay about $10,000 more towards principal on our mortgage               
We will contribute about $10,000 towards our pensions               
In total, about $103,000 of our income will go towards savings next year               
Because we will be putting so much into investments, our bank account will dip               
Saving this aggressively will likely decrease our bank balance by about $23,000               
Subtracting these numbers, our true savings will be ~$80,000 next year               
Assuming normal growth, our current investments should grow ~$10,000 next year               
So, a good year means we increase our net worth by ~$90,000 in 2017               
I believe these numbers are ambitious but doable               
This puts us on schedule to be FI by around 41 and definitely able to retire at 48 as has been our plan.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 26, 2016, 10:52:17 AM
The combined power of two 403/401k plans also means you will be making a sizable dent in your taxes too. We only had a single 401k (DW has a teachers pension instead).

If you live in Oregon where ALL (the first $4250 or so is free) income is taxed at the same rate at a hefty 9 to 9.9% that would have made a big dent in our taxes over the years.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Dirt Rich on December 26, 2016, 11:07:16 PM
Killed around 25k in debt
Added around 10k in retirement accts
Massive diy home renos adding at least 10k in value (uneducated guess)

~$45k net worth increase
 
Wow this is actually kind of surprising. I was feeling a little sad that we aren't rich yet lol, but I guess we did better than I thought : )
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mochila on December 27, 2016, 09:34:47 AM
I've been tracking my NW only since 2011, when it FINALLY went positive.

For 2016 it's up 40%, thanks to a change in role that added enough to my salary to enable me to max out my 403b, Roth IRA, and 457.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: StarBright on December 27, 2016, 10:00:29 AM
This was our first year with two incomes and mustachianism and holy cow what a difference it makes!

January 2016: 208k
December 2016: 266k
Those numbers include home equity - we bought a house in September.

Non home equity change was:
January: 136k
December 206k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 28, 2016, 11:07:30 AM
Killed around 25k in debt
Added around 10k in retirement accts
Massive diy home renos adding at least 10k in value (uneducated guess)

~$45k net worth increase
 
Wow this is actually kind of surprising. I was feeling a little sad that we aren't rich yet lol, but I guess we did better than I thought : )

Being rich is a function of putting one Mustacian foot in front of the other day after day for years.. Don't fall off the wagon and one day you'll be amazed that you have a million dollar portfolio!..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Phryne on December 28, 2016, 03:23:19 PM
Congrats everyone!

 I run our financial year to end Nov.

NW (investments & property)
 Nov 15: $865k
 Nov 16: $1,085k

Very happy with that increase: this year we sold an IP at what we thin was market peak, partly offset by ridiculous $$ repairs to another (would love to have sold that one but CGT says no) and DH stopped working in April to look after a sick relative & then himself.  No expecting the same gain this year, as we are planning on ploughing some back into our house  (and visiting my sister in the UK in August)


We're at 61% of our FIRE number, the end is in sight!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: YellowCat on December 28, 2016, 04:30:26 PM
Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mpav on December 28, 2016, 08:31:06 PM
First Post!
First year fully employed, saving 28% to 401k.
$9,700 to $58,500 net worth
I will be maxing out the 401k in future
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 28, 2016, 08:55:43 PM
Have a few more days until 12/31/16 but here is the total of our Vanguard retirement accounts.   As I previously posted, this isn't net worth, but a fun little snapshot of our progress.

$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
$746,482.89  12/31/16

Pretty happy with a ~$153K increase this year! 

Edit: corrected for 12/31/16 numbers
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Heckler on December 28, 2016, 10:36:48 PM
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!

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: WerKater on December 30, 2016, 08:42:07 AM
My target number for FIRE is currently 300 k€.

My net worth:
2016-01-01   131.7 k€
2016-12-30   170.2 k€

That is an increase of 38.5 k€ or 29%. This makes it my financially best year ever (by a significant margin).
I earned about 36 k€ this year (after all taxes) from my job. So I could say that I would not actually have had to work this year :-)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SeattleStache on December 30, 2016, 09:27:35 AM
January 2016: $177,235
December 2016: $269,089
+$91,854 NW for 2016. A good chunk of that (maybe $30k) is my condo's appreciation but sill not a bad increase for 12 months.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SCUBAstache on December 30, 2016, 12:09:46 PM
I went from ~$490k to $640k, so pretty happy with that +$150k increase! I don't expect that kind of increase again anytime soon, though.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on December 30, 2016, 06:55:25 PM
This is so neat! How did you make it?

Sorry, I hadn't been back to this thread in a bit. Gathering the data is the hard part. A few years ago I went through piles of folders with investment statements and recorded ending balances for each year in a spreadsheet. I was able to go back to about 2004 for some accounts, but have good numbers for everything since about 2007. I gradually added information about our mortgage balance and home value at the end of each year, then I added information our contributions so I could distinguish between market gains and new money. After several years of tinkering with the file, I happened to ask myself what has contributed to our net worth growth and I had the data to answer that question. Unfortunately, the short answer is "luck," but the long answer is a neat chart.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache on December 30, 2016, 08:50:44 PM
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734

I like this trend!  Though I think it will be more of a linear increase next year instead of this nice upward curve.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 30, 2016, 09:07:09 PM
38 years old, married with a 4 year old, only discovered MMM two years ago so still kind of new and amazed at my progress. First started tracking net worth in July 2015.

July 2015 - $132,045
December 31, 2015 - $169,554
December 30, 2016 - $248,939

2016 Net Worth Increase = $79,385

A decent bit of that is market gains and real estate appreciation, but given that our household income is only around $140k (which I consider high, but seems kind of low compared to many on here) I'm pretty pleased with our progress!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Mormon Money Mustache on December 30, 2016, 10:08:54 PM
2012 negative
2013 negative
2014 16k
2015 135k
2016 348k

55% savings rates for 2016
Wife and 4 kids and a couple major surgery/hospital bills
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on December 30, 2016, 11:08:50 PM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K (!)

Just broke 6 figures! :D
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zikoris on December 30, 2016, 11:23:06 PM
Well, it looks like we cracked the 75K increase barrier - we finished the year with an increase of $75,121, from $169,220 to $244,341! Not bad on a combined income of only around 80K.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dividendsplease on December 31, 2016, 06:42:16 AM
end of 2015: 27,013
end of 2016: 91,178

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: overwhelmed on December 31, 2016, 07:39:24 AM
I started tracking in March 2016

Net Worth month end 3/16 -   $267,710.13
Net Worth month end 12/16 - $367,434.95

Single parent w/2 teenagers - I'll take it :)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 31, 2016, 07:43:24 AM
Fun way to close out the year, and to see compounding at work.

2012:  $219k  (salary $78k)
2013:  $315k  (salary $75k)
2014:  $420k  (salary $80k)
2015:  $475k  (salary $86k)
2016:  $601k  (salary $90k) - hit $500k in April

Financial goals: a paid off house + $1.3M stash to support a conservative 3% withdrawal rate via ~75% savings rate, 90/10 asset allocation.

Looking at 6-10 years out. Spent $20.5k in 2016. My FIRE budget ($36k) has a substantial cushion because of unknown health care costs, and other fluff that could be cut if necessary. To many here, this is irrationally conservative...and reckless to many Bogleheads :)

Onwards and enjoy!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on December 31, 2016, 10:23:06 AM
12/2015: 48% increase
12/2016: 32% increase

Less as a percentage of my stash, but the same $ number.


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Al1961 on December 31, 2016, 03:37:19 PM
I FIREd in mid 2014, DW FIREd at the end of November this year.

Net worth increase was $105,044, net of withdrawals.

Includes:
$12,012 increase in home equity from mortgage principal payments,
$16,804 in other savings
$111,738 increase in market value of investments
($18,706 35,510) net withdrawals to fund expenses. (2.1% WR)

Excludes:
Real estate market value adjustments, if any
Value of DB Pension and employee/employer pension contributions.

Looking forward to next year. Expenses should drop considerably as we simplify our housing situation (two houses currently) and move to a lower COL area.

Edit: Oops, missed some of DW's gains, and changed to net withdrawals.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2016, 06:45:18 PM
I'm up 13% in 2016, leaving me only $6k short of my "bare-bones" FI target and $206k short of "comfortable" FI.  Planning to RE in 15 months, when I expect to be somewhere in between those numbers.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 31, 2016, 08:11:24 PM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Nov 2016 $246k
Dec 2016 $256k

+ $61k feels great.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Half Stached on December 31, 2016, 08:21:49 PM
We're up 31%: from 820K to 1.08M. We saved 186K and saw passive gains of 73K. This worked out to a return of about 7.5% on the year, which lagged the VTSAX by about 3% due to one bad investment. Overall, reasonably happy with the progress as we estimated a year ago to be at 1.03M now.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: plainjane on December 31, 2016, 08:34:52 PM
Invested assets increased by 25% (more than my pre-tax salary).
Paid off the house.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jengod on December 31, 2016, 10:40:36 PM
We haven't recorded this annually, but this thread inspired me to check our general "household finances" spreadsheet, and I discovered I "mislaid" six figures because I accidentally shorted a sum by one row. So that sure looked like a nice jump in addition to be *being* a nice jump.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on January 01, 2017, 06:21:38 AM
+198k . Good Year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: stacheasaurus on January 01, 2017, 09:21:13 AM
December 2015: 2.6k
December 2016: 31.1k

+28.1k!
Savings rate: 43%!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 01, 2017, 09:54:15 AM
My NW increased by 24% this year.

Nice work, everyone!  Hope 2017 is a great year in every way!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired on January 01, 2017, 06:35:43 PM
Oh man, this thread is really a kick in the pants! I'm up a paltry 12%, partially due to a lack of focus and partially due to shifting a lot of things around to purchase a house.

Here's to 2016 being much more focused!

Revisiting the 2015 numbers, turns out I shorted myself a percent. That said, I did much better this year with a NW increase of 21.7%!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: del84 on January 01, 2017, 06:51:56 PM
Dec 2015: $1,025,000
Dec 2016: $1,127,000

+$102,000
9.95% increase
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 01, 2017, 09:38:23 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on January 01, 2017, 10:09:08 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

WOW! Congrats!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: marty998 on January 01, 2017, 10:37:09 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Faramir on January 02, 2017, 12:44:24 AM
Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on January 02, 2017, 01:41:57 AM
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)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalByChance on January 02, 2017, 04:57:15 AM
Net Worth:
1 Jan 2016: € 269 365.45   ( USD 282 402.74)
31 Dec 2016: € 299 761.46   ( USD 314 191.98)

Growth: € 30 396.01 ( USD 31 862.62)

ER Stash
1 Jan 2016:€ 58 970.75   ( USD 61 821.99)
31 Dec 2016: € 84 056.56   ( USD 88 112.29)

Growth: € 25 085.81  ( USD 26 296.20)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 02, 2017, 07:02:48 AM

December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700

Goal for next year:  $150,000 if we stretch for it.

December 2016:  $153,950  Woohoo!  We hit our stretch goal and then some!  And it felt like we were spending well above our budget, but actually stayed a bit under once the year was done.  Net worth went up 43% with a 46% savings rate (lower than the previous year) and a 10% increase in take-home pay, all due to my DH getting awesome, deserved raises.  Goal of $200,000 by the end of 2017 with a stretch goal of $210,000.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gunny on January 02, 2017, 07:19:19 AM
We are up 9% in our portfolio based on compounded growth only.  No additional contributions as we are FIREd.  We are down 10% in our cash account due to a lot of travel in 2016.  But this was a planned draw down.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NorCal on January 02, 2017, 08:17:10 AM
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.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Vertical Mode on January 02, 2017, 09:28:13 AM
I track mine quarterly, so at the close of:

Q4 2015: $99.5k
Q4 2016: $146.5k

My own contributions still propel this steamship forward mostly, but the tailwind of dividends and growth is picking up!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jorjor on January 02, 2017, 11:21:27 AM
12/31/2014: $132,000
12/31/2015: $257,000
12/31/2016: $403,000

It was a good year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: jmutt on January 02, 2017, 02:46:50 PM
Happy New Year All! 

31 DEC 2016 - 562k for a grand total of 100k!  Good year for the market, plus about a 50% pre-tax savings rate. 
31 DEC 2015 - 462k
31 DEC 2014 - 395k
31 DEC 2013 - 330k
31 DEC 2012 - 244k

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Etlav5 on January 02, 2017, 03:47:03 PM
Love this thread

dec 2015: - 36k
dec 2016: - 17 k


Just started to have a salary a little more than a year ago. (approx. 40 000$ net). The remaining dept is a student loan that is free of interest for the next 3.5 years (until I finish my residency) so i will be starting to invest in 2017.
Objective for 2017: 0 net worth !
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: TheFirstMan on January 02, 2017, 06:34:10 PM
Just found this thread! I found MMM in mid-2014, but I have been on the right track for a long time.

- Net worth up 219K, from 200K to 419K, 110%!
- Assets up 204K, from 350K to 554K, up 58%!
- Investments up 84K, from 183 to 267, 46%!
- Debt down 11K to 140K, down 7%!
- Income on the year: 80K (not counting auto deposits to 403Bs, I think)

Income in 2016: 92K in pocket, 36K in 403Bs, plus taxes and other deductions, so about 135K total.

2016 results:

The major factor in 2016 was drawing about 50K of home equity out and spending 52K on major improvements to our home...

- Net worth up from 419K to 440K, up 5%

- Assets up 86K, from 554K to 640K, up 15%! (Home equity up about 35K)

- Investments and liquid assets up 95K, from 267K to 362K, 36%!

- Debt up 60K, from 140K to 200K, which is 43%


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 02, 2017, 07:03:39 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Even if it is inflated, there has to be some substance behind it... if that's the market, then that's the market.

If shares were trading at ridiculously high P/E ratios would you discount the value? Or would you take the market price as fair value?

(Congrats regardless, phenomenal effort)

Thanks!  I do think the real estate has gone up in value, but 35% in one year seems a bit high.  I would say it is about half of that.  I pay pretty close attention to what is going on in my town, and I am fairly certain that it would not sell for what Zillow thinks it would.  It's all just theoretical since we don't plan on selling any time soon.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on January 02, 2017, 08:34:01 PM
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

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

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SingleMomDebt on January 02, 2017, 08:58:02 PM
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

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

Nice job on the debt reduction LWTG!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 02, 2017, 09:10:29 PM
Jan 2, 2013  -($33,302) 
Jan 2, 2014 -($20,162)    +13,140
Jan 2, 2015    $2,833       +22,995
Jan 2, 2016    $13,330     +10,497
Jan 2, 2017    $75,494     +62,164

$20K from property value increase along with about $9,000 in market gains.

But the rest was $4,700 in retirement contributions and $28,464 of debt reduction.

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

Nice job on the debt reduction LWTG!

+100!  That is excellent!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Polish_Hammer on January 02, 2017, 09:19:33 PM
2015 yr end 885,632
2016 yr end 1,050,182

Increase of 164,550. (Best ever)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mbk on January 02, 2017, 10:02:46 PM
Very impressive numbers all around.

We started the year with ~147k. Ended with anywhere between 200-224k depending on the hypothetical sale value of some real estate.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: tarheeldan on January 03, 2017, 05:33:45 AM
Congrats all!

My net worth ended up $41k higher on gross earnings of $71k. Great year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: boarder42 on January 03, 2017, 07:37:14 AM
NW was up almost 200k and investmented NW was up around 150k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on January 03, 2017, 08:50:21 AM
What a great year:

1/2016 - $275,600
1/2017 - $400,014
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: MVal on January 03, 2017, 09:28:16 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BabyShark on January 03, 2017, 09:34:48 AM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 03, 2017, 09:51:26 AM
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!


Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 03, 2017, 09:58:54 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on January 03, 2017, 10:35:50 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Slee_stack on January 03, 2017, 11:51:11 AM
We were around +$150k for 2016 excluding real estate appreciation and tangible property.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OurTown on January 03, 2017, 02:48:17 PM
We are plus $94,000 for the year.  Considering my lack of badassity, that's pretty amazing.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on January 03, 2017, 02:48:38 PM
Thanks Chippewa, ninetyfour and MonkeyJenga!!!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: sparky28 on January 03, 2017, 02:58:11 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Gen Y Finance Journey on January 03, 2017, 03:22:47 PM
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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arebelspy on January 03, 2017, 04:16:25 PM
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!  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NorCal on January 03, 2017, 07:44:12 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pinkman on January 03, 2017, 08:09:15 PM
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


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: HappierAtHome on January 03, 2017, 08:31:36 PM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: MishMash on January 04, 2017, 07:27:59 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Goldy on January 04, 2017, 08:22:39 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: arrintonpalmer on January 04, 2017, 08:43:34 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dogboyslim on January 04, 2017, 10:45:23 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: moof on January 04, 2017, 10:59:23 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: REfinAnon on January 05, 2017, 08:14:12 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on January 05, 2017, 01:26:56 PM
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...
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: LurkerStache on January 06, 2017, 04:21:48 PM
2013: +8k
2014: +11k
2015: +14k
2016: +26k

Slowly, but surely.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: chaseboy2010 on January 06, 2017, 10:18:34 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Irish in Valencia on January 07, 2017, 03:39:10 AM
-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: HAPPYINAZ on January 07, 2017, 08:11:24 AM
-15k last year to minus 1,985 this January.
Aim to be at 18k january 2017


nice work!  Keep it up! 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 07, 2017, 08:51:44 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 07, 2017, 12:29:11 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 07, 2017, 01:51:41 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Heckler on January 07, 2017, 06:26:57 PM
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.  ;)

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalAaron on January 07, 2017, 08:19:58 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on January 07, 2017, 08:49:08 PM
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! 

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 07, 2017, 09:02:29 PM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: neophyte on January 08, 2017, 02:10:03 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: hidetheloot on January 08, 2017, 11:21:10 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BTDretire on January 09, 2017, 11:33:20 AM
  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.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ambergris on January 11, 2017, 08:28:30 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on January 11, 2017, 08:45:39 PM
Quote
2012   55,982   +11,210
2013   172,493   +116,511

Wow!

Look at the difference when you grew a mustache! Good work!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: nora on January 12, 2017, 02:36:31 AM

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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on January 12, 2017, 04:34:01 AM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: JustDave on January 12, 2017, 06:25:28 AM
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.



Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: aboatguy on January 12, 2017, 07:33:02 AM
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)


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: nora on January 12, 2017, 07:10:05 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BabyShark on January 13, 2017, 01:07:57 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: makinbutter on January 14, 2017, 12:16:08 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Vaulter on January 15, 2017, 06:55:57 PM
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)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: prettypaperwork on January 15, 2017, 07:12:09 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ocinfo on January 15, 2017, 07:58:52 PM
$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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Freedom2016 on January 16, 2017, 02:08:53 PM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: techjunkie91 on January 19, 2017, 03:31:58 PM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: FrugalFan on January 19, 2017, 06:28:41 PM
Congrats on getting to positive! You will be amazed at how quickly things can increase if you stick to it.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: cognitiveitch on January 21, 2017, 12:24:54 AM
Jan 2016 NW: $10,600
Jan 2017 NW: $28,500

Just getting started, still paying off student loans, but feeling pretty good about that progress and have plans to bump it up way more this year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Ryland on January 21, 2017, 09:38:22 AM
Hah!

2015: $100k
2016: $155k (and took a 3 month sabbatical!)

Savings ratio for the win!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: merlin7676 on January 25, 2017, 10:29:28 AM
Dec 2015: $47513.96
Dec 2016: $80583.50

so almost doubled plus paid of 8K in debt.

I don't include house b/c isn't not an asset to me until I'm ready to sell it.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: BrightFIRE on January 26, 2017, 07:29:23 AM
I found MMM in late May 2016 and dove in with both feet. Got the SO on board too. He quit clown-commuting 1.5-2 hours EACH WAY in late November and started a job he can now walk/take transit to. It is financially better, but quality of life-wise, this has been the greatest improvement.

Jun-Dec 2016: Still negative, but lots of progress. Paid off 3 grad school loans of $15,000, paid down $12,100 more. (Remaining ~$35k will be forgiven under PSLF this October.) Saved $5600. Also have $10k in SO's 401k.

2017 Goal: Max out both IRAs for 2016 and 2017, his 401k and my 403b. $65k saved by year end and a positive net worth/totally debt free for the first time in my adult life. I'm 44. (Secretly hoping to come back to this post in December and see I smoked that $65k number.)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 26, 2017, 08:42:08 AM
Wow--that's awesome progress!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on January 26, 2017, 08:59:15 AM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: davef on January 26, 2017, 02:47:31 PM
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DWW on January 26, 2017, 02:51:52 PM
Network increased 65k this year. Went from 80k to 145k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 26, 2017, 06:21:50 PM
Wow some great Numbers!

I am definitely not a full blown mustashian... My wife and I do buy some nice things, newer cars etc. dinner out once a week (usually $40) but we are fairly frugal.
We save about 40% of our 110k combined income.

1-1-2017 414K
1-1-2016 344k
1-1-2015 326k
1-1-2014 278k
1-1-2013 168k
1-1-2012 125k (Found MMM)
1-1-2011 110k
1-1-2010 68k
1-1-2009 25k
1-1-2008 roughly 0

Pretty good numbers.

Hello from Corvallis..:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: davef on January 27, 2017, 11:36:18 AM
Thank you.
Who do you fly for?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 27, 2017, 11:39:25 AM
Thank you.
Who do you fly for?

Just me.. It was a hobby...:)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on January 29, 2017, 10:05:31 AM
First time posting but I have been reading for a while.  I was relatively money conscious prior to finding MMM but my awareness has definitely gone up since reading this blog and others over the past 8 months or so.

NW Gains by year:
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$64,400 (projected)

These are inclusive of property value increases.  We bought our first home in 2014 and spent a lot of money on household wares/improvements/stuff, that's why the increases stagnated a little bit.  We got our heads on straight in late 2015 and then kicked into a higher gear this past year.  Altogether my personal expenses were reduced by almost $18k (I was really spending like a drunken sailor in 2015 apparently) in 2016 compared to 2015 and there is still room for more improvement.

I'll revisit this post after December 31 to see how accurate my projection was.  Maybe I'll include some info about our combined NW change as a couple (numbers above are just me).

It took a little longer for me to get back around to this.  My actual NW change in 2016 was better than I had estimated at $69,800!  Pretty happy about that.

Our combined growth as a couple was $123k but around half of that was property value increase/mortgage repayment.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pachnik on January 29, 2017, 10:28:34 AM
I had to look up my net worth increase in my journal and was I surprised!

Here it is:

December 31, 2015 - $371,000.00
December 31, 2016 - $408,000.00

$37,000.00 increase.  I put in $13,000.00 - usually about a $1,000.00/month.  For 2017, I plan to put in $15,000.00. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lindy on January 29, 2017, 06:43:22 PM
I really like this thread!  It's great to see how much everyone's gained.

Thought I would join in.

January 2016 net worth $68,842.88
January 2017 net worth $105,741.88
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on March 04, 2017, 08:38:29 AM
January 2016: 466,662
January 2017: 605,216

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on March 05, 2017, 06:16:31 PM
2 billion
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: DoctorOctagon on March 06, 2017, 09:46:35 PM
All numbers are January

2013: $95,000 **** After 4 years working a job with 29,000 salary + small side gigs
2014: $115,000 **** Quit day job and pursued dreams in August 2014
2015: $145,000 **** Compounding responsible for most of gains
2016: $158,000 **** Worst january in the history of the S&P
2017: $330,000 **** Invested $60,000 in market in 2016.  Remaining gains due to use of margin (I was up to 1:4 leverage ratio but now it's 1:7 due to rallies) AND leveraged index funds (SPXL TQQQ etc).  I pay 1.7% APY for the margin loan.

I didn't realize my net worth went up $188,000 in just one year.  Long term buy and hold investing combined with the use of risk crush homeownership as a wealth building tool (I rent).

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: TheAnonOne on March 07, 2017, 06:17:27 PM
I went from 253 to 368

115k.... wow. I didn't even notice it went up that much. Obviously, I was watching the numbers but never really did a YTD on the thing.

Sitting at 408 now... so from 368 to 408 from Jan 1 2017 to march 7th.... dang about 40k...
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on March 08, 2017, 06:27:15 AM
What a great year:

1/2016 - $275,600
1/2017 - $400,014

I'll post my approximate #'s here including my estimated pension balance at the beginning of the year:

2015: $236,000 (included estimated house value but sold it mid-year)
2016: $338,000
2017: $474,000
Current: $515,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: OurTown on March 09, 2017, 10:08:56 AM
2 billion

Impressive!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Scrooge on April 11, 2017, 07:46:24 AM
And one contestant from Finland.

Currently adding about 24 000 eur a year in cold hard savings on my bottom line.

2017 dec: (estimate) 182 000 eur
2016 dec: 159 000 eur
2015 dec: 134 000 eur
2014 dec: 110 000 eur
2013 dec: 92 000 eur
2012 dec: 74 000 eur
2011 dec: 58 000 eur
2010 dec: 40 000 eur
2009 dec: 24 000 eur
2008 dec: 14 000 eur
2007 dec: 3000 eur
2006 dec: -3000 eur (just finished studies)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on April 11, 2017, 03:20:18 PM
To keep this updated:
2016: $2672k
2015: $1683k

Being leveraged to bull markets in both shares and Australian property has seen some crazy gains. I've been focussing on reducing leverage recently, in preparation for a trial FIRE later in 2017.

2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on April 11, 2017, 05:51:28 PM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: RetirementDreaming on April 12, 2017, 09:32:26 PM
12/31/2015   $846,000
12/31/2016   $1,035,000
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Davids on December 03, 2017, 02:10:12 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 03, 2017, 02:17:44 PM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K

DOUBLE COMMA CLUB!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: kayvent on December 03, 2017, 03:31:30 PM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

01/12/17: 33K. (This surprised me. From September to November of this year, I had ~4000 in unexpected expenses arise. I still managed to go from saving 2K/month from 01/09/15 -> 01/12/16 to 2.75K/month from 01/12/16 -> 01/12/17. Student loan should be finished in a few months.)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: arebelspy on December 05, 2017, 10:42:35 AM
11/30/13: $468K
11/30/14: $605K
11/30/15: $688K
11/30/16: $802K
11/30/17: $1,010K

I love when people quote their years old posts with new data.

Well done! 4 years you more than doubled your NW, and hit > 1MM!  Congrats! :D
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 05, 2017, 07:25:30 PM
Hell, I don't know.  We're raising our net worth about $5,000 a week. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 06, 2017, 02:14:53 PM
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.

Joining the old quote club...   To bring this up to date:
2015: $1683k +287k
2016: $2672k +989k (+600k from trauma insurance, a bit of a net downer)
2017: $3009k +336k (married, had a kid, quit work in October)

Pretty amazing how fast it snowballs!  I'm interested to see what happens in 2018, as this will be the first year with no active income
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: dragoncar on December 07, 2017, 01:28:12 AM
(http://i0.kym-cdn.com/photos/images/facebook/000/209/945/D6PfW.jpg)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 03:02:41 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2017, 03:47:35 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

I’ve been waiting for this!

Thank you for maintaining the tradition, Marty.

I shall be back in two days to post my update (though you already know the number).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 03:53:01 AM
There's still 3 weeks and a bit weeks till end of year. You never know, you could buy bitcoin and it'll go up by 10x in that time :P
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: K-12FI on December 07, 2017, 04:45:13 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on December 07, 2017, 05:33:05 AM
Up $279,000 in 11 months.   Trailed the market in the return too, but this was the first year in a while I've been *really* using that deferred comp plan.  I should have my first year saving over $100,000.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: UnleashHell on December 07, 2017, 05:37:26 AM
down about 50%

Divorce'll do that.....
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 07, 2017, 05:56:59 AM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Nov 2017 $278k

Not quite the +$61k from last year but I stopped working in February (though did receive a small amount of paid leave) and Mr Pancakes took three months off between jobs, part of which we spent traveling. We also moved across the country and had a baby. I feel like we spent the whole year haemorrhaging money so the fact we went forwards at all let alone $22k kind of perplexes me.

The final result at the end of december will be interesting.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Abe on December 07, 2017, 06:01:44 AM
Up about 65% ($300k to $500k) from selling a house and stock market gains. Have a year and a half of living in a super high-cost rent area for training. Hopefully then we will move and our combined salaries will double to allow for a 60% savings rate!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Pooperman on December 07, 2017, 06:23:27 AM
2015: $57k
2016: $69k
2017: $130k

Hooray for house appreciation > inflation. Investments are sitting at around $73k. This was a poor year for spending.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DS on December 07, 2017, 07:20:54 AM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

"Net worth increase this year (i.e. the 'present' you give yourself)" ;)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 07, 2017, 07:26:59 AM
I've gone up by more than my salary... Not sure how that happens... (Go stock market!)
Salary: 86k.

2016: 95,000
2017: 184,000

Whoo!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: iris lily on December 07, 2017, 07:29:43 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09
God I love it when people go from the darkness (debt) into the light!(the black in assets)

You are now in  Positive Net Worth Land. Way to go!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 07, 2017, 11:31:51 AM
Bumper year for us.

Shot up from 67% of target to 79% of FIRE target so far.

Waiting on retirement fund manager reports in Jan, and with the good share market I could prob expect another $30K as a cherry on top for the year.

Good year in real estate, plus an extremely high income year from my job.

Expecting realestate to flatline in 2017, but high employment income to continue for at least 1 more year, if my job doesn't kill me in the mean time. Lol.

No idea what the share market might get do in 2017,  but we'll keep accumulating and increasing our exposure.

Thinking maybe 2.5 years to FIRE, but might pull the trigger a little earlier and roll the dice on picking up some post RE non-investment income.

With three weeks still remaining, I shouldn’t be counting my chickens just yet.... but...

Bumper year for us.... again.

Decided somewhere along the way to increase our number, rather than bring our FIRE date forward.

Still, we are now at 86% of our new number. So close!!

1.5 years to FIRE


Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 07, 2017, 11:54:37 AM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 07, 2017, 12:01:21 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 07, 2017, 12:07:47 PM
Since you're so close, are you looking at switching some assets over to safer investments, or just letting it ride?

I'm letting it all ride.  I have an IPS and it tells me to stick with my chosen asset allocation unless I have a reason to believe I am suddenly smarter than the market.  I haven't been any smarter than the market since at least 2013, when I was fearful it would crash, but I let it ride then too and I'm glad I did.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 07, 2017, 12:18:20 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

You can check out any time you like...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 07, 2017, 01:28:11 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

You can check out any time you like...

Such a lovely place (such a lovely place)... living it up at the....
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jengod on December 07, 2017, 01:59:22 PM
Am I going to have to come back here to edit the thread title every year forever?

You guys will never let me leave :)

Topic thread updated to the future, I mean, present... I mean... whatevs

"Net worth increase this year (i.e. the 'present' you give yourself)" ;)

yay you solved it!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on December 07, 2017, 02:04:06 PM
down about 50%

Divorce'll do that.....

Recalculate as net worth per capita
Or net worth per kg
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: oldtoyota on December 07, 2017, 02:06:20 PM
We're up a ridiculous 24.2%.  If only the market could keep this up, we could have retired years ago. Alas, I'm still working because this gravy train won't last forever.



Congrats on the 24.2%!

Shoot. We're up 19%. I wonder if this was a bad year to adjust my AA to hold more in bonds.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: ixtap on December 07, 2017, 02:08:15 PM
At the end of 2014 we were at 61% of our target amount.
At the end of 2015 we were at 71%.
December 2016 is looking like right around 86%.

It's not even the end of 2017, and we're already well over 100% of our target goal.  At this point, it's not money that is keeping me at my desk.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

Our end game plan includes cutting back on savings the final year to invest in such structural projects, if they don't need done before then.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 07, 2017, 02:18:31 PM
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.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 07, 2017, 02:20:17 PM
Estimate net worth increase 180k, not my best year, but $208k, better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

modified to update with final figure
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: N on December 07, 2017, 11:21:20 PM
Dec 2013:       -5311.00
Dec 2014:        9484.00
Dec 2015:     73,369.00
Dec 2016:   129,871.00
Dec 2017:   164,437.00

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 08, 2017, 02:41:21 AM
Estimate net worth increase 180k, not my best year, but better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

This applies to about 9/10 dwellings in our fair state. Not sure you can find a place that is not a clown house here :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 08, 2017, 03:53:17 AM
Too true Marty998, but my house was way more than we need: a CLOWN house, not just a clown house.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: bownyboy on December 08, 2017, 06:38:26 AM
1st Jan 2017 - £346k
1 Dec 2017 - £452k

An increase of £106k!

Things that made this possible:

Hoping to hit £550k by end of 2018 with some serious saving.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 08, 2017, 07:04:22 AM
Estimate net worth increase 180k, not my best year, but better than I was expecting.    I'm selling the clown house, and shifting the capital around into another real estate project so that it won't just be capital tied up on a single PPOR asset. I'm just about at the worst cashflow point right now, so savings in recent months have been minimal ( super guarantee only).

This applies to about 9/10 dwellings in our fair state. Not sure you can find a place that is not a clown house here :)

Yeah, it’s a bit sad that when we finally do repatriate to Australia, living in my home town of Sydney makes zero sense on an economic level... unless I want to keep working, in which case I can justify the clown housing costs.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NorCal on December 08, 2017, 07:10:17 AM
2014: $570K
2015: $769K
2016: $1,064K
2017: $1,382K

We've done well, largely thanks to silly Silicon Valley incomes combined with keeping housing costs low.  A big chunk of the 2017 increase is market performance, as our savings rate declined substantially in the last few months of 2017 (my wife went part time after maternity leave + a second kid in daycare).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on December 08, 2017, 07:13:21 AM
12/16 $1.31
12/17 $1.49

FIRE GOAL $2.0 with paid off house (Estimated FIRE date 4/2/22. I'd really like it to be 2/2/22, but 401(k) vesting is on 3/31 and that's some earned money I'm not going to say no to for 2 more months.)

$.18 should have been higher, but we are spendypants and have too much of our investments in real estate and bonds.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 08, 2017, 08:36:46 AM
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.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Paul | pdgessler on December 08, 2017, 08:56:39 AM
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!

Code: [Select]
Year  N.W.  Chg.  Remarks
2014  -30k        Discovered MMM while paying off student loans early. 
2015   15k  +45k  Finished paying off student loans.
2016   69k  +54k  Changed jobs.
2017  140k  +71k  Cross-state move and another job change. Bought our first house—half of the equity came from my savings, half came from my wife's (not tracked in my N.W. here).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: OurTown on December 08, 2017, 09:54:39 AM
$558 now, it looks like it was $438 last December.  Increase of $120k. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ChipmunkSavings on December 08, 2017, 10:30:14 AM
I've backtracked all of my data, the furthest I could go was 2013.

2013 : 96 850$                            Finished university, started working graduate job part-time
2014 : 122 251$   (+25 401$)      First year of working full-time, 42k starting salary. Lived at home with parents, low spending FTW
2015 : 130 429$   (+8 178$)        Bought a house, renos. Salary of 45k
2016 : 160 705$   (+30 276$)      Starting investing with TD (instead of GICs), got lots of 5-year interest payouts.
2017 : 196 000$   (+35 295$)      Age 24. Working full-time at 51k, still investing (+ house equity).

It's not ramping up as much as I would like, but I'm still at the start of my snowball, so I figure it will keep getting better year after year. I've never counted my contributions for the pension plan (it's a mandatory defined-benefits program where roughly 8% of my gross salary is automatically deducted. I have no control over this, and I don't know the value of it). I'm not sure how to account for the home equity changes, I kept the same value as when we bought in aug 2015.

Based on my net salary only, I have achieved a 45% savings rate, or 50% if we were to consider my pension plan (savings + pension/ net salary + pension).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: recklesslysober on December 08, 2017, 01:48:23 PM
2016: +$19K
2017: +$45K

Almost all of it is retirement contributions and debt repayment, maybe $2K gains over 2 years. Still -$65K with $90K of student loans to pay / $25K in retirement savings. Planning to break net worth $0 next year and pay off the loans by the end of 2019.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 08, 2017, 07:22:33 PM
Not including home equity.

Dec 8th 2016 ... $2,120,000

Dec 8th 2017.... $2,435,000

$315k or 14.9% rise with no job and about $16k rental income.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 09, 2017, 03:29:41 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: happy on December 09, 2017, 03:31:58 AM
Not including home equity.

Dec 8th 2016 ... $2,120,000

Dec 8th 2017.... $2,435,000

$315k or 14.9% rise with no job and about $16k rental income.

Holy guacamole Frank, you're rich!
Nice work buddy.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 09, 2017, 04:53:02 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

Well done :) $300k for sure next year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 09, 2017, 05:06:48 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

Well done :) $300k for sure next year!

Thanks, @marty998 (oh I am going to bug the shit out of you with these tags!) Not quite what I wanted, but I’ll get there.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kayvent on December 09, 2017, 05:58:04 AM
Total NW:

Jan 1 2017: -$24,413.19
Dec 1 2017:  $5,177.90

Total Increase: $29,591.09

Good job on becoming worthless a few months ago.

It's been a bull market for a few years, I wonder how some of us will feel in this thread when a bear occurs.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ACyclist on December 09, 2017, 10:11:54 AM
Increased by 81K this year. 

Note: We stopped spending like A-holes around late Summer.  We were saving more than the average American, but we were not mustachian like.  I joined the forum in Oct, I think.

This next year should be phenomenal, if the markets continue their momentum.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 09, 2017, 01:36:06 PM
DINK's here, 26 & 30 y/o, HCOL area

Jan 1 2017 - $312K
Jan 1 2018 - $430k (Estimated)

+$128,000 in a year, we'll take it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MaybeBabyMustache on December 10, 2017, 09:31:10 AM
Up about $717K in 2017. It was a crazy year: bought a house, sold a house, & the stock market.

1/1/17 = $2,887,427
12/1/17 = $3,098,262

Net worth calculations include house equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Murse on December 10, 2017, 11:03:43 AM
Dec 2016 60.1 (single)
Dec 2017 115 (officially DINK’s)

Nearly doubled!

This year I paid roughly 17k for my wedding expenses and married someone worth -10k. I am hoping we can put away at least 70k this year. Maybe hit a 200k net worth by December 2018 if the market performs?


Honestly though, a market crash would be great now that we are shoveling in large amounts monthly.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: obstinate on December 10, 2017, 11:58:36 AM
This has been an uncommonly good year for us. It looks like our non-home equity stuff went from somewhere around 33%. I believe the increase was this big as a percentage because we sunk a bunch of savings into an HCOL house down-payment a few years ago. So my salary was large relative to our savings, and it was filling in the hole. Including the home it looks like we're up about 20%.

We are selling the house at a huge profit next year and moving to New York, which will bring our invested assets close to our FIRE number. We will probably ride our jobs for a year or two more, since we'll go from having "enough" to "enough and plenty more besides." I also want to see what Donald Trump does with this country before making any hasty decisions.
Dec 2016: 60% FIRE
Dec 2017: 84% FIRE

FIRE=retirement spending, exclusive of tax, assuming SWR .036 and assuming our spending mix remains constant (e.g. continue having to pay 24k per year for childcare)

Bumper crop this year. Spending didn't increase as much as anticipated after the move, and wifey and I both got substantial raises heading in to next year. All kinds of things could change next year (taxes will be up, and childcare costs too assuming both of our plumbing is working as well as it was when DS#1 was born). And even though we're quite spendy compared to most folks on here, we're thankful for the grounding that the Mustachian philosophy brings to our lives. And we're saving hard against an uncertain future.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on December 10, 2017, 12:18:15 PM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)

(2014, -$20k, although that's pretty much a total guess)
1/1/15: $0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061

+$70,744 in 2017. Not *quite* as big a jump as last year, but considering crazy high vet and medical spending (over $11k), and me not working at all for ~4 months of it (and part time most of when I was working), that's pretty damn good! Earnings will probably be right around the same as last year, somewhere around $110k total for the two of us.

ETA: better than I expected, because I realized I dropped car value off my net worth tracking this year. So it may have been a +$90k! I would have to sit down with all the numbers to double check, but I'm pretty sure that's right.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ixtap on December 10, 2017, 06:26:42 PM
39.9% increase, almost exactly 50/50 savings vs growth.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Closer2theSKY on December 11, 2017, 06:28:46 AM
December 2016: $88,000
December 2017: $148,000

Just discovered the MMM community last year and feeling motivated and inspired. Way to go, everyone!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jenny1974 on December 11, 2017, 06:52:02 AM
December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 11, 2017, 06:57:37 AM
December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!

WOW is RIGHT!!  :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 11, 2017, 10:57:36 AM
Net Worth:
Dec. 2016 - $1,443,716
Dec. 2017 - $1,662,792

+ $219,076

Investment accounts only:
Dec. 2016 - $902,232
Dec. 2017 - $1,080,418

+ $178,186

That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on December 11, 2017, 11:36:07 AM
That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

Of course the flip side of that argument is that anyone who isn't in the market is probably kicking themselves.  Did you thorstach the top and go all cash in 2013?  Then congratulations, you just played yourself.  Are you a new investor just getting started this month?  You've missed out on an absolutely historic wealth-building rally.  Have you been holding "dry powder" while you wait for the right moment?  It has passed.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 11, 2017, 01:21:35 PM
Have you been holding "dry powder" while you wait for the right moment?  It has passed.

Has it? Are you calling the top?

Maybe we should roll with the old cliche “the best time to invest was yesterday, the next best time is today”.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lan Mandragoran on December 11, 2017, 02:20:20 PM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wolfsheim on December 12, 2017, 02:36:03 AM
We are in the midst of building a family home, so not much cash at hand, but the net worth has significantly increased over the last years.

Family Home: 468,000 USD
Rented Building: 113,724 USD
Rented Apartment 1: 81,900 USD
Rented Apartment 2: 75,000 USD
9 hectares of prime farmland: 204,282 USD
Nest Egg for Son: 5,967 USD
Stock: 23,400 EUR
Cash: 6,500 USD, on checking accounts in Euro and Swiss Francs.

Sum: 972,279 USD in Assets

Debt: Mortgage at 2.02%, 280,000 USD

Total: 692,279 USD
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 12, 2017, 05:09:42 AM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).

And you should be!  Well done!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 12, 2017, 05:47:44 AM
looking like its going to be around 200k by year end.  we invested 100k and our investments earned another 100k

we became well over half millionaires invested and hit 3/4's of a million in total networth.  if we have an avg market year in 2018 we should be on track to hit 1MM at this time next year! 8 months ahead of plan!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 12, 2017, 08:48:25 AM
We are in the midst of building a family home, so not much cash at hand, but the net worth has significantly increased over the last years.

Family Home: 468,000 USD
Rented Building: 113,724 USD
Rented Apartment 1: 81,900 USD
Rented Apartment 2: 75,000 USD
9 hectares of prime farmland: 204,282 USD
Nest Egg for Son: 5,967 USD
Stock: 23,400 EUR
Cash: 6,500 USD, on checking accounts in Euro and Swiss Francs.

Sum: 972,279 USD in Assets

Debt: Mortgage at 2.02%, 280,000 USD

Total: 692,279 USD

Mortgage at 2.02%??!  Wow! What's the loan term?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on December 12, 2017, 09:09:36 AM
That's a pretty solid year. I know the shoe is going to drop soon and likely shave 10-20% off, but it is what it is.

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

Of course the flip side of that argument is that anyone who isn't in the market is probably kicking themselves.  Did you thorstach the top and go all cash in 2013?  Then congratulations, you just played yourself.  Are you a new investor just getting started this month?  You've missed out on an absolutely historic wealth-building rally.  Have you been holding "dry powder" while you wait for the right moment?  It has passed.

Ah, 2013.  I divested myself of F Fund shares early in the year, which turned out to be the right move at the time, because the bond market tanked later that year. But it hasn't played out quite as poorly since then as I expected -- I really expected the F Fund to get beaten down over a longer term because the 20-year-long bond bull had run its course once we got to ZIRP, but it's been fairly steady, albeit anemic, for the past 5 years.  Though for zero risk, the G Fund (2.07%) has only underperformed the F Fund (2.43%) by 0.37% the past 5 years, so I'm okay with the move overall.

I stayed the course in 2008, though in mid-2013 I did take profits and ratcheted down my equity exposure from a pre-crash balance of 75/25 to my current 60/40 because retirement was just 5 years away at the time (returns on my portfolio from 2013 on have been 20.81%, 6.26%, 1.81%, 8.43%, and over the past 12 months 14.4%). And now with 17 months to go until retirement, as soon as I see a 10-12% drop, I'll bump up to 70/30.

Though I will admit I'll be more nervous than a long-tail cat in a roomful of rockers if come May 2019, there hasn't yet been a correction. I do not want to go out at the tippy top of a 10+ year bull market!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: anotherAlias on December 12, 2017, 10:43:37 AM
Wow, how have I missed this thread the past few years.  These are the numbers I wait all year to tally.  For perspective, I'm including numbers as far back as I started tracking.

2011 - 72k
2012 - 139k
2013 - 217k
2014 - 284k
2015 - 332k
2016 - 431k if markets hold til the end of the month
 Yowzers, almost 100k increase this year and only about a quarter of that was from my contributions.
2017-577K

Another stellar year. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lan Mandragoran on December 12, 2017, 01:00:52 PM
April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).

And you should be!  Well done!

=] thank you.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mississippi Mudstache on December 12, 2017, 01:46:02 PM
I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

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

So 2017 is my best year so far in gross dollars, but it doesn't compare to 2014 as far as percent change. I had significant headwinds this year, as I pulled a bunch of money out of the market in January to buy a house (great timing, eh?) and I also started a new job and am not eligible for the 401k until I have a year under my belt (I will be eligible starting January 2018). So, 2018 should be a better year as far as retirement contributions go, but I don't expect it to match 2017 with regard to investment returns.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 12, 2017, 03:00:16 PM
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!
Funny to go back and look at what I thought this year would look like.  The job didn't happen for DH for 6 full months after this so I kept working.  MIL moved out (Whoop!).  And now we have a FIRE date of 8 June 2018.  DH has even backed off on his expectations for what his expensive car hobby should cost (this is huge progress for us, as it was a very sore subject for me).
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: shanghaiMMM on December 13, 2017, 03:14:27 AM
I'm not very good at keeping accurate records due to the fact my investments are in GBP, my wife's in USD and we get paid in RMB.

Anyway, rough figures, give or take a $1k or so:

January 2016 - $155k
December 2016 - $225k

Still seems an incredible sum of money to me, given that we started out on our journey about 2 1/2 years ago!

December $334,000

What?! This FIRE stuff is bananas. We didn't even earn as much as our investments have gone up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: icbatbh on December 13, 2017, 04:04:36 AM
December 2016 - £25,360.75
December 2017 - £44,770.67

Difference: +£19,409.92 (76%)

Pocket money compared to many on here, but I'm happy with my progress. My goal is to have £100k within 5 years, and at 1 year and 8 months in I'm almost half way there.

One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on December 13, 2017, 02:04:38 PM
I found MMM this year around January, but I lost some of my data when my computer died... so the first time I have saved is when I started my journal on here which was mid April.

15 April - 164900
31 December - 232200  (+67300) approximate increase over 7 and a half months

Best guess is around 75000 increase for the year!  (This does not include the equity in my condo.)



Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: meatgrinder on December 13, 2017, 04:49:18 PM
$1.5MM 2016
$2.0MM 2017

Driven mostly by the market
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 13, 2017, 07:59:42 PM
Did you thorstach the top...

This is a wonderful new verb.


I'm probably going to feel icky later about this being out there and delete it but for now...
Dec 2015 $x
Dec 2016 $2.23x
Dec 2017 $2.81x
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: infogoon on December 14, 2017, 08:35:42 AM
One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?

In my experience, investing money is kind of like learning a martial art. It starts with "I'm going to buy so much stuff when I have more money!" or "I'm going to kick so much ass once I know how!", but the discipline of the process changes how you feel once you get to the finish line.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: icbatbh on December 15, 2017, 02:14:51 AM
One thing that has changed is how I feel about money. The thought of having £25k two years ago was very exciting, but actually having £44k now is pretty "meh". Is this hedonic adapation in action?

In my experience, investing money is kind of like learning a martial art. It starts with "I'm going to buy so much stuff when I have more money!" or "I'm going to kick so much ass once I know how!", but the discipline of the process changes how you feel once you get to the finish line.
Great comparison. I'm learning a martial art as well so know what you mean haha.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 15, 2017, 03:06:49 AM
Did you thorstach the top...

This is a wonderful new verb.


I'm probably going to feel icky later about this being out there and delete it but for now...
Dec 2015 [Mod edit - he felt icky later]
Dec 2016 [Mod edit - he felt icky later]
Dec 2017 [Mod edit - he felt icky later]

That is an awesome 2 year gain. Nicely done!

I am not going to comment yet.. .still a couple of weeks to go!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 15, 2017, 06:41:36 AM
Began the mustachain lifestyle end of February 2017 :

Networth end of Feb. 2017 : 76K$
Networth Dec. 2017 : 117.5K$
Difference : 41.5K$
54.6% Networth increase in almost 10 months
73% Investment / 27% RoI

It's crazy how this has changed my perception. Never even imagined being at 100K$ before 30 y.o. (I am not 28 yet).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on December 15, 2017, 09:33:16 AM
12/15/16: $833k
12/15/17: $1,176k

+$343k

91% is market contributions, vesting, and growth; 9% is real estate paydown and appreciation.

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 15, 2017, 12:24:29 PM
That is an awesome 2 year gain. Nicely done!

Thank you! Real estate is a magical thing.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: big_slacker on December 15, 2017, 03:25:37 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Nate R on December 15, 2017, 03:32:18 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D

Aren't stock gains theoretical too until you sell? :-P
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: big_slacker on December 15, 2017, 05:29:33 PM
$110k increase, woohoo! Got on this train and it's full speed ahead! Note I don't own a house, these are not theoretical gains. :D

Aren't stock gains theoretical too until you sell? :-P

Haha! True enough.

My thinking on houses is I plan on living there long term if not forever, so at least in my head it's not available. Although it really is if I wanted to do a cash out re-fi or something to buy another investment property, etc. Anyway, not a problem I current have although I have in the past. :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 16, 2017, 06:30:33 PM
July 2015 - $132,045
December 31, 2015 - $169,554
December 30, 2016 - $248,939
December 16, 2017 - $329,686

Increase of $80,747. Not too shabby, especially since I feel like we really slacked off this year. 


Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Chippewa on December 16, 2017, 06:49:03 PM
Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 17, 2017, 08:32:38 PM
I always get excited when I see this thread pop up.   Had to go look even though it is not quite the 31st yet.   Not net worth, but a snapshot of our Vanguard accounts and a good reflection of our progress. We really can't believe how far we've come. 

$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
$746,482.89  12/31/16
$979,476.57  12/31/17

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Apple_Tango on December 17, 2017, 10:32:17 PM
I like this kind of progress tracking! This isn’t net worth for me (my journal has that shit show), but it’s my liquid net worth in my vanguard accounts, mostly in IRAs at the moment.

age 20 Dec 2011: 12,150
age 21       2012: 18,811 (55%)
age 22       2013: 34,601 (84%)
age 23       2014: 40,181 (16%)
age 24       2015: 42,346 (5%)
age 25       2016: 49,349 (16%)
age 26       2017: 73,526 (46%)

to date I have actually contributed $39,961 and the rest is market gains

Goal for Dec 2018: $103,968. Stretch goal: $115,000.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on December 18, 2017, 12:05:32 AM
I'm astonished that at my current grad student income in a HCOLA, my spreadsheet says I could retire after a 28-year working career, aka 15 years before age 65. And I don't intend to be either a grad student or in SoCal that long.

You may find that your expenses increase after you are no longer a graduate student.  That's what slows most people down.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on December 18, 2017, 03:08:26 AM
I always get excited when I see this thread pop up.   Had to go look even though it is not quite the 31st yet.   Not net worth, but a snapshot of our Vanguard accounts and a good reflection of our progress. We really can't believe how far we've come. 

$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
$746,482.89  12/31/16
$975,936.51  12/17/17*

*Need to update on the 31st, but I'll take a ~$229K gain any year!


Nice growth there and you did pretty well through 08-10. Way to hang with it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on December 18, 2017, 03:42:03 AM
The stock market fat lady has yet to sing on 2017 and I am not really qualified to estimate the real estate portion of our net worth, but appear on track for a seven figure increase for the year.  I estimate more than a third of that is due to continued work (savings, pension accruals, stock grants) so the OMY syndrome is reinforced.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: JohnGalt on December 18, 2017, 04:28:59 AM
On my own:
End 2016:  ~67% of my full FI target number
End 2017:  ~93% of my full FI target number (38.8% growth)

As a couple (recently married) we are currently >100% of our full FI number!

I don't fully count us as FI yet though.  Currently, ~20% (up from ~8% at end of 2016) of my NW is in my employer's company stock so there is significant risk.  The tax consequences of selling now vs waiting until I'm not working (planned to quit at end of 2018 when my options finish vesting) are big enough that I'm willing to take another year's risk before selling to diversify.  I believe this will be an even larger difference if the currently proposed tax act is passed.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RWD on December 18, 2017, 07:41:28 AM
The stock market fat lady has yet to sing on 2017 and I am not really qualified to estimate the real estate portion of our net worth, but appear on track for a seven figure increase for the year.  I estimate more than a third of that is due to continued work (savings, pension accruals, stock grants) so the OMY syndrome is reinforced.

Seven figure increase!! Wow!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: horsepoor on December 18, 2017, 08:21:45 AM
I'm actually glad I went and looked!  I've been rather down with all the $$$ I've been flushing down the drain vet bills and horse equipment and training this year, but somehow Mint says NW has increased $91K this year (not including DH's assets or mortgage pay-down, but including all home appreciation).  $39K increase in TSP, most of the remainder is real estate gains.  Not fantastic, but at least headed in the right direction.  Markets will not be so kind most years though, so I need to focus on getting more of my paycheck directed to TSP again.

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 18, 2017, 03:27:16 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

9% Y on Y TNW gain for 2017 (YTD).  Investment accounts were up 17%.  Cash reserves and real estate lowered the total gain for the year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on December 19, 2017, 12:27:12 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 19, 2017, 12:42:43 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
How much a year do you make? Did you invest in Bitcoins?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on December 19, 2017, 12:55:54 PM
Found MMM in March/April.  Cut costs, started budgeting, plowed every penny into equities.

Didn't start tracking until July in personal capital but since July we've gone from $1.0M to $1.96M as of today.
How much a year do you make? Did you invest in Bitcoins?

fluctuates greatly but thanks to some stock option-vesting and a few other items, this year we will make close to 7 figures.  this is nearly double what we made last year.  we will pay more in taxes this year than a middle income family earns pre-tax, maybe by a factor of 1.5-2x.  That fact is not lost on me, we are very fortunate.  But i still make my lunch like i have for the last 10 years, don't upgrade my wardrobe much, take the train to work when i can. etc, etc.

luckily i found MMM / bogleheads and we put almost all of it into our investments or paying off almost all of our mortgage.

haven't touched bitcoin, and won't.  mostly low cost index funds, some $ in FB, Apple, Disney, etc.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on December 19, 2017, 12:57:56 PM
Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865
Holy smokes!  More than doubled in a year?  That is impressive indeed!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: EngineeringFI on December 19, 2017, 07:54:50 PM
Not including my house:

December 2016: $175,689
December 2017 (est): $303,564

Not bad, but I also had to cash-flow a significant amount of exterior work to the house (~35K for a lot of landscaping work). Next year I really want to kick the contributions into high gear.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: midwesterner1982 on December 20, 2017, 02:27:41 AM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000

Congrats to many on here absolutely killing it.  Many of you are starting at a younger age than myself.  I wasted a lot of time and money before I finally began to become an adult at about 31 years old.
Currently 35 yrs old.  I started to track net worth in 2014.  Found MMM in 2016 and got more serious.  Still making plenty of mistakes but starting to really see the 'stache can work harder than I can.
So far I have (1) Rental myself + (4) 50/50 Rentals with a partner and $260k+in stocks (retirement + taxable).  Debt free except mortgages on rentals.  My apartment is rented.
I got married this year and many changes ahead in 2018 but very excited for the future.  2018 big goal is $500k.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on December 20, 2017, 04:48:23 AM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

End 2017: $385k

Moved country, and set up a new house, which was spenny, and wife was out of work for a few months after the move. Next year should see us get to $500, provided market is flat or up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 20, 2017, 07:30:50 AM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000

Congrats to many on here absolutely killing it.  Many of you are starting at a younger age than myself.  I wasted a lot of time and money before I finally began to become an adult at about 31 years old.
Currently 35 yrs old.  I started to track net worth in 2014.  Found MMM in 2016 and got more serious.  Still making plenty of mistakes but starting to really see the 'stache can work harder than I can.
So far I have (1) Rental myself + (4) 50/50 Rentals with a partner and $260k+in stocks (retirement + taxable).  Debt free except mortgages on rentals.  My apartment is rented.
I got married this year and many changes ahead in 2018 but very excited for the future.  2018 big goal is $500k.
Congrats!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 20, 2017, 11:14:30 AM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jmechanical on December 22, 2017, 08:59:39 AM
December 2014 - $62000
December 2015 - $91000
December 2016 - $134000
December 2017 - $192000

I am 29 years old. Not quite as badass as MMM himself, but I am making progress.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 22, 2017, 02:15:01 PM
My turn:

2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k

Good thing is that a lot of the gains are now in liquid investment accounts that I can use for FIRE. Another couple of years at $180k growth and I'll be pretty much done 🙂

Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 22, 2017, 10:02:47 PM
Wow marty, that's impressive!!!! Well done!



My net worth (excluding retirement funds - around $53k)

2013  -$33,600 owed (student loans)
2014  -$21,000 owed
2015 -$2,242 owed  - so close to free!!!!

.....looking back now, I'm so very glad I found MMM!!!!!

2016 = + $5000 net worth. Finally made it into the positives!

2017 = + $35000 net worth!   (+retirement account of $90k = total NW of $125,000)

Goal for 2018  = $63k net worth  (+ $101k in retirement, Total NW $164k).

I'll do this by paying approx. $18k off the house (plus a whole lot of interest), adding $12k into retirement, and adding $10k into investment accounts. Come at me 2018!
 



Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 23, 2017, 02:31:02 AM
Thanks @11ducks, you seem to be accelerating nicely too!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 23, 2017, 03:13:44 AM
My turn:

2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k

Good thing is that a lot of the gains are now in liquid investment accounts that I can use for FIRE. Another couple of years at $180k growth and I'll be pretty much done 🙂

Killing it, @marty998!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fuzzy math on December 23, 2017, 10:30:29 AM
Final net worth $201 k !
started out the year at 94k

I honestly can't believe I've come so far. Here's to more good years!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RWD on December 23, 2017, 12:30:23 PM
We're looking at roughly $160k increase for the year. About $55k more than I had estimated, thanks to the stock market.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: BTDretire on December 24, 2017, 05:59:56 AM
Interesting, though, that the birth of the MMM blog so neatly corresponded with a period of great market performance.  I wonder how the blog would be different if we had had five years of stagnation and apparent forward looking SWRs were lower in an environment of benefit cuts.
Yes, I suspect the very upbeat tone in the blog would be different, we would still have savers
and forward progress but...
Quote
It's easy to preach the joys of investing during a historic bull.
I am very greatful, the timing is perfect for my recent retirement which turned out to be a semi retirement. But as it worked out we had a nice stache to grow during this growth period.
 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on December 24, 2017, 11:16:24 AM
It would be more concentrated on the savings rate portion.

When you are saving 70+%, the actual market gains have very little comparative effect. (In the beginning) Possibly a portion on downshifting since you don't need that much money anymore.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aceyou on December 24, 2017, 02:41:51 PM
2017 Finances at a Glance                  
Our net worth increased by $120,393         
Our net worth not counting our pension increased by $99,216           
Our Stache increased by $109,206
Our savings rate was 60%

This was an excellent year for our finances.

December Net Worth Update
Pre Tax Retirement     $147,428
Roth IRA Retirement     $38,721
The Stache    $186,149
Short Term Inv.    $40,041
Cash    $27,270
Pensions    $164,846
Home Equity    $131,567
Car Value    $9,000
Life Insurance    $11,491
Net Worth    $570,364
   
% of Net Worth   
Stache   32.6
Cash   11.8
Pension   28.9
House Equity   23.1
Car Value   1.6
Life Insurance   2.0
Total   100

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: RockytopinDC on December 26, 2017, 07:02:05 AM
2017 Finances:

Contributed to retirement accounts and payed down down student debt. This is our first year tracking our net worth:

26/27 years old

2016: $60,000.00
Dec 2017: $ 196,000.00
Savings rate: 65%

As previous posters stated, it was a good year for equities! Here's to more bull markets to come next year. (Or some improved US valuations if there is a correction).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aneel on December 26, 2017, 12:03:22 PM
Invested assets only:

Jan 1 2017 - $135.7k
Dec 26 2017 - $227k and counting (WOW)

Cashing in gains on our first home (+30k to investments), and sticking to the savings plan (+36 k) has got us FIRED up.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Morning Glory on December 26, 2017, 02:17:22 PM
Dec 2016 236,254
Dec 2017 321,735
Net worth has gone up 85k, which is more than my after tax income, with a savings rate of only 46%
This is about 30k new investment, 10k mortgage principal, and 45k gains
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 26, 2017, 06:45:08 PM
I'm pretty happy with my present this year.

Dec 2016 $763K
Dec 2017 $985K

This also does not include my HSA since Mint can't add it. Another $20K there, but not sure where it was a year ago.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 27, 2017, 09:20:23 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Midwestache on December 27, 2017, 10:10:11 AM
From my journal.

May 2015
Net worth was 581K

March 2016
Net worth 1003K

March 2017
Net worth 1374K

July 2017
Net worth 1516K

December 2017
Net worth 1729K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 27, 2017, 10:38:01 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 27, 2017, 10:52:31 AM
It isn't a perfect calculation but it is what I have in my spreadsheet. 10 Dec 2016 our net worth was $1.471M. Today it is $1.65M invested plus approx $267K real estate equity. The markets have smiled upon us this year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 27, 2017, 11:56:31 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: powersuitrecall on December 27, 2017, 12:07:58 PM
This year our NW increased by about $220K - the highest yearly increase we've ever seen.  Compound returns in action!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Zoot on December 27, 2017, 01:07:18 PM
December 2014:  $696K
December 2015:  $761K
December 2016:  $878K

Wow--how is that even possible?  But there it is in black and white in my spreadsheet, so it must be true.  :)

2017 hasn't officially closed yet, but I wanted to go ahead and update (note: numbers include home equity):

December 2014:  $  696K
December 2015:  $  761K
December 2016:  $  878K
December 2017:  $1,056K

It boggles my mind that our NW increased $178K last year--more than our entire year's post-tax household income--in a year where we sank roughly $40K into getting a house ready for sale and doing renovations on the new house we bought.  Roughly $56K of the increase was 401(k)/Roth contributions and company match, but sheesh, that still leaves $122K in increase coming from investments.

If you'd asked me ten years ago, or even five years ago, if I thought I'd ever be a millionaire, I'd have laughed in your face.  And yet here we are!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 27, 2017, 01:35:28 PM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

Why do a renovation then if it doesn't increase the value of your property? Assuming it is worth more after the reno, shouldn't your equity in the property (and net worth) have increased?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 28, 2017, 06:23:59 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

Why do a renovation then if it doesn't increase the value of your property? Assuming it is worth more after the reno, shouldn't your equity in the property (and net worth) have increased?


It did, (cause any thing would, the kitchen was bad) but I have not had it reassessed.  I used a VA loan with 0 down so I have very little equity in the property. 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: BobTheBuilder on December 28, 2017, 07:53:16 AM
First business did not work out in 2014, got my degree in 2014. Started ph.d position on Jan 1st 2015 with 22€ cash left at the end of the month.

Jan 2015: NW -20,643€
Dec 2015: NW -16,794€
Dec 2016: NW -11,676€
Dec 2017: NW -4,484€

Hoping for a "positive" 2018 :-D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: merlin7676 on December 28, 2017, 08:24:18 AM
Well I came late to the party.  Only found MMM about 3 years ago. Was pretty good money-wise and not spendypants (well I was compared to people on here but not most people "out there").
But I still learned a lot about reducing spending and up savings.  Made big gains in 2017 due to the market and paying off all my debt in 2016.

This is only savings, 401K, index fund, IRA...don't include my house as I don't consider it an asset until I sell it.

12/24/15  $46292.52
12/23/16  $80288.06
12/23/17  $128286.70
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Suit on December 28, 2017, 08:42:22 AM
Dec 2014: approx -12,308 (found MMM Feb 2014)
Dec 2015: 31,308
Dec 2016: 95,640
Dec 2017: 182,961

Gave myself a big present this year! This was my highest income year ever, I paid down student loans and the stock market gains have been a big help.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on December 28, 2017, 10:09:52 AM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sisto on December 28, 2017, 10:48:11 AM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

So real estate investments, that makes sense. You should turn that around in no time.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: valk001 on December 28, 2017, 01:25:28 PM
I am kinda all over the place but this includes a lot of investing in 2017 hence the drop in net worth.

2011 -16K
2012  3.5K
2013  33K
2014  17.5K
2015  41K
2016  104.5K
2017  85K

I'm curious how investing brought you NW down. It should be up, so what are you investing in?


I bought a duplex and reno'ed the kitchen.  The house cost 10K cash out of pocket, then the reno cost a total of 14 (would have been cheaper, but tools are something one needs to do the job).  So that is the bulk of the decrease there and a large portion of my company investments have not vested yet, so they dont show up on my mint.  If that did then I would have about 14K more in there.

So real estate investments, that makes sense. You should turn that around in no time.



Fingers are crossed on that one.  I am excited that I dont have to fund a reno any more.  So I should be seeing those gains in 2018.
Here is to another year of growth!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 29, 2017, 06:04:06 AM
Fun way to close out the year, and to see compounding at work.

2012:  $219k  (salary $78k)
2013:  $315k  (salary $75k)
2014:  $420k  (salary $80k)
2015:  $475k  (salary $86k)
2016:  $601k  (salary $90k) - hit $500k in April

Financial goals: a paid off house + $1.3M stash to support a conservative 3% withdrawal rate via ~75% savings rate, 90/10 asset allocation.

Looking at 6-10 years out. Spent $20.5k in 2016. My FIRE budget ($36k) has a substantial cushion because of unknown health care costs, and other fluff that could be cut if necessary. To many here, this is irrationally conservative...and reckless to many Bogleheads :)

Onwards and enjoy!

2017: $754k
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Rhoon on December 29, 2017, 08:26:27 AM
Lots of work done to shore up the finances, thanks to everyone here who helped us along the way:

We're up 93.5% from Dec 2016 to Dec 2017.

As a percentage, Equity in our house was nearly 50% of the Dec 2016 number. In Dec 2017, Equity of our house is only 8%. So we've seen a monstrous shift of assets away from physical property to cash.

Also as a percentage, in 2016, our non-mortgage debt was 65% of our Dec 2016 assets.
In 2017, this is down to 9%, which represents our car @ 0% interest (We traded out of a punch-me-in-the-face $55K truck @ $750/mo @ 4% interest, for a simple sedan (ford fusion) @ $378/mo with 0% interest).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 29, 2017, 09:10:10 AM
205k or approximately 33% increase. Will hit the double comma club with a similar increase in 2018. Hoping by my 32 bday in November.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lordy on December 29, 2017, 02:29:50 PM
With the December pay-check cashing yesterday, my numbers are now complete:

2017: 384K
2016: 308K
2015: 255K
2014: 209K
2013: 166K
2012: 149K
2011: 137K
2010: 126K

As you can see, 2017 was the best year so far. I hope this trend continues :-)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Chrissy on December 29, 2017, 05:53:51 PM
I'm loving this thread!

2015:  $604k
2016:  $724k (+$124k)
2017:  $860k (+$136k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 29, 2017, 07:13:51 PM
End of 2016: $689,000
As of last week: $829,000

A combination of aggressive saving and ridiculous returns meant my net worth went up by more than my gross salary for the year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on December 29, 2017, 11:22:44 PM
2017 was a present that was unexpected.  I never would've guessed that the YAT (Year after Trump) could be anything but moderating and misery, but it was financially kind to me and all of my family.  Maybe we are rich enough for it to continue for the foreseeable future, since the mortgage / bankruptcy king is in charge?  These are the questions that plague me from all sides.  It's not like I want to join Mar-a-lago - although I could afford to and might actually be a smart investment given the flexibility of our current President.

I do hate the idea that 2017 made individuals like Eric, Donald Jr., Jared Kushner, and Ivanka more economically powerful and influential in the US.

But, on net worth terms, a good year, soon to be followed by better years!  Cheers Mustachians!

(Edit to add:  +450k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 01:23:47 AM
I hate it when somebody as vile and disgusting as Trump makes me money!

About +340k for 2017...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Runner77 on December 30, 2017, 04:28:35 AM
$253k increase based on an opening balance of $1.125m and an ending balance of $1.378m. Breakdown of the $253k increase:

Employer Contributions: $19,963 (8%)
My Contributions: $65,183 (26%)
Earnings: $168,106 (66%)
  * Asset allocation of 56% S&P 500, 26% stable value and 18% international
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 30, 2017, 06:55:30 AM
$244,000 improvement in net worth, most of which was market earnings, followed by new investments and finally by removing all debt but our home mortgage.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Superman on December 30, 2017, 07:02:29 AM
2016 - $1,460,216
2017 - $1,756,306
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Nate R on December 30, 2017, 07:32:06 AM
End of 2013: 27K
End of 2014: 41K
End of 2015: 78K
End of 2016: 120K
End of 2017: 199K

Difference: + 79K / 65%

Changes this year: Sold our original single family home. Bought in 2006 for 52K, put 20K+ in improvements in before it became a rental for us in 2013, and sold this November for 43K. Ended up having to bring 8K to closing after putting in another 3K in repairs this year. Ouch! Glad we didn't spend more in 2006! Upside is I'll have losses that will reduce my taxes for a few years to come! (Limited to 3K/year, can carry forward)

Had a chimney rebuilt in our duplex we live in, that was $3K.

Went back to school to get my Associate's degree, getting my employer to pay for the bulk of it. But it will still cost me a few K by the time I'm done.

Had trees on our 4 acre recreation property thinned. That brought in about $6K, but we spent that on getting a shed put in, and having some cleanup work done after the logging.

Overall, other than the house repairs/closing costs, no huge expenses this year. Getting rid of the house was expensive, but a big mental weight gone, too. 2018: Starting some projects on our duplex (Lots of deferred maintenance to catch up on, some from us, mostly from previous owners.) Other than that, continuing saving to build an off-grid cabin on our 4 acre land, continuing school, and continuing to add to the 401ks.

Extremely happy with the progress this year. Our financial house is in better shape and less total debt, so even if the market gains were erased, we're in a better spot than 1 year ago!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 30, 2017, 09:23:01 AM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15
12/20/16: about $1,150,000 (excluding house)
12/30/17: about $1,333,000 (excluding house)
       Using the actual numbers - up about $184K in 2017. 
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache on December 30, 2017, 10:09:26 AM
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830

Whoa! >$100K increase in one year! That's about $70K in savings and $30K in gains.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jim Fiction on December 30, 2017, 11:28:47 AM
2016 - $(8,578)
2017 - $23,350

Change of $31,927. In the process I paid of $18,500 in debt (only $15,622 to go!). All told it was a pretty good year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 30, 2017, 11:38:28 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 11:48:32 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on December 30, 2017, 12:27:01 PM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on December 30, 2017, 01:20:08 PM
Changes in NW by year (not total NW):
2013: +$29,300
2014: +$28,700
2015: +$40,900
2016: +$69,800

2017: +76,000

Although it doesn't look like much more than 2016, 2017 was my most successful year for increasing my savings by far.  Part of the issue with those numbers is that they include property value increases which can distort the facts a little bit.  If I take property value out out of the equation and just focus on cash and investment assets, my numbers would be:

2013: +$29k (saving diligently for downpayment on house)
2014: -$7k (bought a house, probably spent too much money on household things and improvements)
2015: +$19k (stopped the spend and got refocused thanks to this blog and others about half way through the year)
2016: +$37k (first full year post house purchase, more focused on saving)
2017: +$69k (increased salary, investments actually providing a return in a significant way, feels like hypedrive compared to previous years)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 30, 2017, 01:25:46 PM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)

Awesome..:)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Ocinfo on December 30, 2017, 01:31:57 PM
$150k increase with around $60k as investment gains. Had an unusual year with lower than planned contributions so very happy with the gains. Aiming for at least another $150k increase next year if market returns are around average. Really crazy how quickly NW goes up when market does well and you invest ~$100k per year.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: warehouse on December 30, 2017, 03:11:03 PM
12/31/14   $176,682
12/31/15   $194,077
12/31/16   $240,276
12/30/17   $321,091

This doesn't include any equity in our house, just retirement and cash accounts only. My year end goal was $300k, hit that in September! This seems too easy... I hope I don't lose my mind when a correction comes.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: salt cured on December 30, 2017, 03:49:15 PM
Congratulations everyone. Here's our recorded progress. Our 2015 was actually pretty decent, but we took over $25k in debt from my in-laws. I also got a job that summer (though my wife became unemployed), which has really propelled us these last few years. Hoping to hit $750k this time next year.

12/31/13   $180,500
12/31/14   $228,200
12/31/15   $254,200
12/31/16   $374,800
12/31/17   $566,000
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on December 30, 2017, 03:58:30 PM
* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.

And a big year it was. We managed to pull off a 63% savings rate this year. Huzzah.

* Dec 2017 - 42% of target stash
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MilesTeg on December 30, 2017, 04:29:25 PM
16: 558k
17: 711K (+153k)

This will sound boastful but actually a disappointing year. Lots of money spent on new house and general spendy pants stuff. ~25k shortfall on cash savings. That said, made more than that in house appreciation so we're fine with it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ND on December 30, 2017, 06:01:03 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: plainjane on December 30, 2017, 07:07:57 PM
I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

That's a huge change to maintain. Congratulations on the improvement.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 30, 2017, 07:48:02 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

Being very generous and calling it $10 a meal... that's well over $10,000 a year on eating out :O

Can confirm camping is a whole lot of fun. Especially when there's no TV /phone reception and it's just you and the starry starry night.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Bateaux on December 30, 2017, 08:38:24 PM
Finally have a number.  $341,722 increase in investments.   $1,866,807 total in invested assets and no debt.  We got paid off real estate.   It's worth something so net worth crested 2MM this year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ND on December 30, 2017, 08:47:45 PM
Net worth started at around $200k in February, now around $290k.

It's been interesting keeping track of my expenses for the first time ever.
Current savings rate: ~57%
Yearly expenses: ~$20k,  $2k of which is taken up by travel (mostly hotels).

I opened up my first credit card this year around the same time I found out about FI.  My goal for next year is to sign up for my second credit card and hopefully get some nice travel rewards bonuses out of it, and also spend more nights camping instead of staying in hotels.

I've also been focusing on eating out less, about once a week now compared to... umm, literally every meal. *blushes*

Being very generous and calling it $10 a meal... that's well over $10,000 a year on eating out :O

Can confirm camping is a whole lot of fun. Especially when there's no TV /phone reception and it's just you and the starry starry night.

I thought I wouldn't have much historical data to go on, but it turns out I do still have all of my bank transactions for the ~250 days preceding my discovery of FI.  My spending during that time averages out to ~$25,300 a year.  Food makes up almost all of the difference, I'm sure of it. lol

I still spend more than necessary on groceries, too.  There's definitely still room for improvement.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: BrokenBiscuits on December 31, 2017, 04:26:23 AM
Uk based so numbers are in gbp

Dec 2013 NW 68k
Dec 2014 NW 82.5k (14.5k / 21.32%)
Dec 2015 NW 110k   (27.5k / 33.33%)
Dec 2016 NW 142k  (32k / 29.09%)
Dec 2017 NW 165k  (23k/ 16.19%)

Dec 2018 NW 190k stretching target.

Just shy of 100k in the 4 years I have been recording. I’ll admit I’ve not been as focused for 2017 and so will try to push on a bit more with 2018 and go for 25k.

From the numbers, looking in from the outside, 25k looks easy as I already achieved more in previous years but in 2015 I got a redundancy payout and 2016 I lived like a monk! So 25k will be a stretching target and will need the markets to continue to be kind to us all.

Wishing you all a successful 2018.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: CorpRaider on December 31, 2017, 07:49:06 AM
Great job everyone!  I added ~ $75K.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Adge on December 31, 2017, 08:17:18 AM
My goal for 2017 was to double my net worth, and I ended up doing even a bit better :) Because I was starting low, this is probably the only year I will actually DOUBLE my net worth so I'm celebrating!

2016 year end: $16,400
2017 year end: $34,700

That's $18k saved on a salary of $41k a year gross, I'm very pleased with my progress! I expect to earn the same next year and maintain similar expenses, so without any significant downfalls I should clear $50k by the end of 2018. At 31 with those numbers I'm obviously not a candidate for extreme RE, but I should be well-set to cut back on fulltime work long before 67.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kissthesky on December 31, 2017, 09:38:37 AM
I finished my end of month/year financial reporting wrap-up yesterday and somehow didn't even look at the NW increase. Seeing it now - guess I have been good this year! NW increase was an insane 210k. This really is the best present.

2017: 672k
2016: 462k
2015: 307k
2014: 229k
2013: 132k
2012: 70k
2011: 41k
2010: 4k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on December 31, 2017, 10:09:00 AM
I'm up 13% in 2016, leaving me only $6k short of my "bare-bones" FI target and $206k short of "comfortable" FI.  Planning to RE in 15 months, when I expect to be somewhere in between those numbers.

What a year!  Reached "comfortable FI" a few months early.  I'm up ~15% in 2017, leaving me at 100.7% of my target #.  My 2017 increase was 57% more than my gross salary. 

75 days until RE!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Half Stached on December 31, 2017, 10:15:21 AM
Wow! I'm not sure I'll ever see this kind of gains again annually. It was a convergence of a strong market and a higher than usual bonus. Our net worth increased 423K this year.

2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

Retirement in 15 months...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SpareChange on December 31, 2017, 10:54:29 AM
EOY    Networth     
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: pachnik on December 31, 2017, 12:19:45 PM
January 2 2017 - $408,000.00
December 31 2017 - $458,000.00

I put $16,000.00 this year into my RRSP so the rest of the increase is the market.  I am amazed!  Good work everybody! 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fattest_foot on December 31, 2017, 02:01:21 PM
Fun thread. It's interesting to compare yourself to others with common goals. This is just investment assets and not cash or mortgage factoring into net worth.

2014: $97k
2015: $129k
2016: $205k
2017: $318k
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: letired on December 31, 2017, 03:45:33 PM
Oh man, this thread is really a kick in the pants! I'm up a paltry 12%, partially due to a lack of focus and partially due to shifting a lot of things around to purchase a house.

Here's to 2016 being much more focused!

Revisiting the 2015 numbers, turns out I shorted myself a percent. That said, I did much better this year with a NW increase of 21.7%!

2015: +13.0%
2016: +21.7%
2017: +30.1%

What a year! I've been trying to manage my expectation that I can't increase the percentage increase all the time, but the market this year really wants me to expect it!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: ardrum on December 31, 2017, 03:51:51 PM
My net worth rose by OVER 3x annual living expenses this year!  Sure, perhaps markets could be crazy inflated, but it's still nice buffer in future down years!  Pleased to say the least.

1/1/16: Around $2000
1/1/17: $31,881
12/31/17: $92,725
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: WhiteTrashCash on December 31, 2017, 04:05:06 PM
2016: $77000

2017: $128000

Not including home equity.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SpareChangeYourLife on December 31, 2017, 07:43:30 PM
This is my first post on this board, and also my first year to calculate our net worth.

12/31/2016   $196,296
12/31/2017   $289,041

We did very well in CryptoCurrency as well as the market.  Our expenses are high right now due to having a child in daycare, but that won't last forever.  I'm hoping to turn up the notch this year in more Mustachian ways than just good investments.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on December 31, 2017, 08:02:35 PM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k Nov 2017 $278k
+$27k in the year we had a baby, moved 5000km away, dropped to a single income and spent 3 months on holidays. It isn’t last years gains but I’m pretty happy regardless.

$250k of the above is sitting in cash earning very little. 2018 is the year we will finally do something with it because we are finally settled enough to buy a home. Once that is done we will hopefully feel more confident investing more elsewhere.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: FireRun on December 31, 2017, 08:51:40 PM

EOY    Invested Assets     
2011    $5,220           
2012    $19,330         
2013    $52,312       
2014    $128,996       
2015    $159,167     
2016    $242,885     
2017    $363,983

Pretty great year. +121K for a nearly 50% increase.


Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on December 31, 2017, 09:05:58 PM
Invested Assets:

12/31/16   $1,220,721   + $60,000 in cash savings
12/31/17   $1,514,360   + $63,000 in cash savings  -  $34,000 car loan @2.22% (Chevrolet Bolt)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 01, 2018, 06:41:33 AM
I just wrote a detailed post about this, interestingly I found MMM and these boards in 2013 after halfway poking around on other financial forums for over a decade:

2011:  $323,000
2012: $470,000
2013: $716,000
2014: $894,000
2015: $1,019,000
2016: $1,208,000
2017:  $1,519,000

$311,000 is a record increase, the 17% overall return on the investment accounts didn't hurt and income keeps going up every year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 01, 2018, 08:48:03 AM
Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year. --> We exceeded this goal massively, thanks to a crazy year in the market!

Well, final numbers are in and it's been a hell of a year! Current NW including home equity is $628,029.19, which represents an increase of +$200,082 (!!) over our Dec 2016 NW of $427,947.20. This is higher than our combined salaries for the year!

Good news for 2018
- Annual household income has increased from $183,570 to approx. $190,640 (+$7,070) due to year-end increases for both of us. This doesn't include any bonus income we may see this year.
- Much of our 2018 travel was paid for already in 2017 (big trip to visit in-laws planned for Feb 2018, personal trip to Iceland for May 2018). Hopefully we can curb our travel spending a bit this year, as it's consistently about 15-20% of what we spend annually. This is ok, as it aligns with our priorities, but it's still a huge pile of money.

2018 Goals
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....
- Reduce household spending below what we spent in 2017 ($50,347.57) & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year. My husband's car loan is finished in June, so this should free up some cash, and there's always room for additional optimization in other areas as well.
- Personal sub-goal, inspired by Mrs. Frugalwoods: No clothing shopping for me in 2018. I don't have a clothing "problem" per-se, just want to re-program myself and really think hard about all of my purchases and make sure they align with my priorities.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: CanuckExpat on January 01, 2018, 09:21:14 AM
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
1/1/2017   :   $1,183,264.32
1/1/2018  :  $1,362,853.31

Networth increased by almost $180,000 even without jobs. I guess I was wrong when I predicted last year would be the last year of large net worth increases :S
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MishMash on January 01, 2018, 09:32:14 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2018, 10:24:34 AM
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
1/1/2017   :   $1,183,264.32
1/1/2018  :  $1,362,853.31

Networth increased by almost $180,000 even without jobs. I guess I was wrong when I predicted last year would be the last year of large net worth increases :S

I had a very similar result - some wise person said “money will find you”.  So true!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2018, 10:27:42 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

@MishMash - glad you escaped that job, but so sorry to hear about your injury (and new roomie). Wishing you the best as you heal.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NICE! on January 01, 2018, 10:52:38 AM
Market returns have been ridiculous, but savings have been even better. What a great year for the home team and what a significant improvement on previous years' % gains.

2013: $180k
2014: $242k
2015: $286k
2016: $300k
2017: $525k
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on January 01, 2018, 02:28:14 PM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 01, 2018, 02:33:48 PM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

Wow I hope you recover fully. I kind of recall that with stroke patients they force them to try to move the limb that can't move, and perhaps that gets nerves to regrow back
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on January 01, 2018, 02:48:26 PM
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)

I saved ~$60k, and the rest is market gains.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kendallf on January 01, 2018, 07:48:34 PM
I figured this would be a bracing year of market corrections.  Instead NW is up 37%.  The market and a big bump in Zillow's valuation of our house are responsible for most of that.  I did save heavily this year but bought an exceptionally stupid car in December (I'm unapologetic), along with some relatively expensive help for family members. 

Maybe 2018 will be the bracing market correction year.  Or not.. my crystal ball sucks.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 02, 2018, 05:40:37 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

I'm sorry to hear about what you're going through.  My thoughts are with you, my wife is also dealing with weird neruologic issues after we got a life-threatening spinal issue resolved.  injured it while working out at 34, life is really short.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Malaysia41 on January 02, 2018, 05:42:55 AM
Up 14%
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jessamine on January 02, 2018, 08:43:00 AM

Year     Net Worth     Invested
2013      172k           69k
2014      194k           88k (+19k)
2015      336k          134k (+46k)
2016      413k          165k (+31k)
2017      532k          247k (+82k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MishMash on January 02, 2018, 08:46:27 AM
Dec 2016--1.452955
Dec 2017--1.754752

Increase of 301797, almost all of it gains as I quit my soul sucking job in May, subsequently got badly injured and haven't been able to work since. Oh and our my leech of a FIL moved in with us.

So if any of you need an inspiration for doing this outside of early retirement, let me tell you, you never know what's going to happen that will prevent you from working, or for how long.  I'm in my 30's and according to my surgeon, may be permanently disabled (crossing fingers the nerve heals and doesn't just shrivel and die).

I'm sorry to hear about what you're going through.  My thoughts are with you, my wife is also dealing with weird neruologic issues after we got a life-threatening spinal issue resolved.  injured it while working out at 34, life is really short.

Lol sounds like your wife and I have similar issues, it sucks, I hope she gets well too!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 02, 2018, 09:00:41 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on January 02, 2018, 09:03:38 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Wow!  It's like magic isn't it!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 02, 2018, 09:09:39 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Looks like it's time for you to retire...  ;-)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: CheapskateWife on January 02, 2018, 10:11:26 AM
Jan 1 2015 - 312K
Jan 1 2016 - 403K
Jan 1 2017 - 498K
Jan 1 2018 - 698K

wow...what a year.

Looks like it's time for you to retire...  ;-)
Does indeed :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: t5inside on January 02, 2018, 02:23:56 PM
Net worth by year:
December '15 - $134,180
December '16 -  $227,372 (+$93,192)
December '17 - $345,866 (+$118,494)

Hoping for $500k by end of 2018 :)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: FireHiker on January 02, 2018, 02:40:59 PM
Total Net Worth:
12-2015: $953,574
12-2016: $1,151,089 (+$197,514)
12-2017: $1,452,436 (+$301,347)

A big chunk of our net worth is home equity. If I remove that, here are the numbers, which are what we use for our FIRE calcs
12-2015: $512,823
12-2016: $619,182 (+$106,359)
12-2017: $843,760 (+$224,578)

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 02, 2018, 05:00:05 PM
1/1/16: $462,464.13
1/1/17: $598,065.11 (+$135,600.98)
1/1/18: $719,775.17 (+$121,710.06)

2017 would have been much better but I was laid off in June.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Goldy on January 02, 2018, 05:32:18 PM
Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319 


Dec 2017 - $1,617,661  Increase of $388k

The green army is now contributing more than we are.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: kevin5657 on January 02, 2018, 06:01:48 PM
Dec 2010   -5k (graduated from college)
Dec 2011    3.5k
Dec 2012    13k
Dec 2013   35k
Dec 2014   60k
Dec 2015   100k (bought a home)
Dec 2016   265k (company sold - got ~75k payout from shares)
Dec 2017   416k

30 yrs old and wife 26, ~200k household income no kids yet.  Had a slow start (lots of fruitless spending) from 2010-2012 before getting serious about saving.  Lofty goal of 600k by end of 2018.  Will depend on another great year for the market and real estate...
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jayzee on January 02, 2018, 06:09:27 PM
Only started tracking in 2015, just checked my last three spreadsheet, and now feeling rather heartened.

1/1/16 -  $9,835.84
1/1/17 - $25,454.41
1/1/18 - $93,613.31

I will be going into self-employment this year so I am expecting net worth to track backwards for a few months while I get myself set up. Hopefully, I will end up making back the initial investment by the end of the year. The goal is just to be neutral in 2018.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Nudelkopf on January 03, 2018, 04:17:12 AM
2013: -15k (25k of student loans/HECS)
2014: +16k (still 23k of student loan/HECS lol)
I found my old post on Page 2!

2013: -$15k
2014: $16k  (+$31k)
2015:  ?
2016:  $130k
2017:  $195k

Still got $18k in student loans/HECs, but at 1.5%pa I'm in no rush to pay off more than the minimum! My retirement account (super) is $61k of my networth which is nice and healthy at my age (26yrs old).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 03, 2018, 07:00:06 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 03, 2018, 07:10:14 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Good work! At that rate you will hit $10MM in less than 9 years.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 03, 2018, 07:29:46 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Good work! At that rate you will hit $10MM in less than 9 years.

Haha, wouldn't that be nice!  2017 was when I discovered MMM/FI in general and so I have a feeling it will represent my largest % increase of net worth and my portfolio.  Still, on track to max Roth IRA, HSA, and 401k in 2018 so we'll see how the markets do!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 03, 2018, 08:04:59 AM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)       

Blew my 2017 goal of $150k out of the water. Goal for 2018 is $250k by July and $300k by end of year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: PhrugalPhan on January 04, 2018, 10:35:09 AM
Numbers are only for liquid investments (Not savings that stays fairly constant).  I have a paid off house in a HCOL area along with a paid off older car, but I have to live somewhere, so no sense including them. Also not including a vested pension as I can only get it 10 years from now ($30k/yr.)  I've been doing my investments on a $95k salary.

1/1/2016: $540k
1/1/2017: $670k (Growth of $130k)
1/1/2018: $841k (Growth of $171k)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on January 05, 2018, 08:34:02 PM
I was just cleaning out a drawer and found my W-2 from 2003, when I worked a part-time, low wage job. My investment returns in the last week or 2 were more than I made the entire year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 06, 2018, 06:40:44 AM
I was just cleaning out a drawer and found my W-2 from 2003, when I worked a part-time, low wage job. My investment returns in the last week or 2 were more than I made the entire year!

Haha!  Isn't that the truth!  I was doing some social security calculations for a case study I'm participating in, my first full year working in 2004 was $39,013.   I made 2/3rds of that in investment gains last week
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: monkeymind on January 06, 2018, 10:56:16 AM
I think we were kind of spoiled in 2017 with some great stock market returns. Stash up 44% for the year (includes both contributions and gains).

The first week of 2018 hasn't been too shabby either. Up 52% of yearly gross salary (and more than 100% of yearly spending) in four trading days!!!  I'm not starting to look for sales on private islands just yet but it's been a fun week.

Happy 2018 everyone!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SDF on January 06, 2018, 11:23:41 AM
1/1/2017 ~ $70,000
1/1/2018 ~ $126,000 (+$56,000)

As others have said, very spoiled by the market this year, but I also happily maxed out my contributions. Great to read of the savings so many achieved this past year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: AccidentalMiser on January 06, 2018, 11:28:48 AM
Net 1/5/17 - 742k, 347k cash/stocks
Net 1/5/18 - 945k, 509k cash/stocks

I'm pretty happy with that since my salary is about 150k.  Here's to crossing 1M net worth this year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mikila on January 06, 2018, 01:04:05 PM
Our net worth increased by $27K.  Woohoo!  Hoping to double that this year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 09, 2018, 10:13:51 AM

December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700

Goal for next year:  $150,000 if we stretch for it.

December 2016:  $153,950  Woohoo!  We hit our stretch goal and then some!  And it felt like we were spending well above our budget, but actually stayed a bit under once the year was done.  Net worth went up 43% with a 46% savings rate (lower than the previous year) and a 10% increase in take-home pay, all due to my DH getting awesome, deserved raises.  Goal of $200,000 by the end of 2017 with a stretch goal of $210,000.

December 2017:  $219,525  killed it!  Another increase in pay, though not nearly as much as last year.  In 2018 our net worth should go up a similar amount, assuming the stock market continues a steady climb.  If not, then things could stay at much lower levels.  I got a big bonus in December that will really make the NW number jump in January, but the rest of the year will be a much slower accumulation as our expenses rise this year.  I don't have accurate numbers yet to declare a goal, but a definite stretch goal would be $300,000.  I have no idea if we could hit that or not.  Probably something more like $280,000 to $290,000 assuming the stock market doesn't drop.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 09, 2018, 12:05:33 PM
I found MMM this year around January, but I lost some of my data when my computer died... so the first time I have saved is when I started my journal on here which was mid April.

15 April - 164900
31 December - 232200  (+67300) approximate increase over 7 and a half months

Best guess is around 75000 increase for the year!  (This does not include the equity in my condo.)

So I got my actual end of year numbers, and I managed to figure out how to look into my non-mustachian past and here is what I found:

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)

My actual gain for the year was MUCH higher than I thought.  I can't wait to see what happens this next year!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minimalistgamer on January 10, 2018, 06:24:55 PM
This is my net worth change -

Beginning of year balance (Saturday, January 14, 2017): $90,120.35
End of year balance (Saturday, December 16, 2017): $159,699.51

I did a very detailed analysis for those that want more details -
http://minimalistgamer.blogspot.com/2018/01/2017-financial-year-in-review.html
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Firehazard on January 10, 2018, 08:03:10 PM
My net worth (not including home equity) increased by $152k this year.  $52k I contributed, and the market did the rest.    I topped out the year at $625k.  Now I'm at $640K after ten days of 2018.

Household combined, we're at $1.45M.

One more year, and we're all done!  Today was the last January 10th I should ever have to suffer through at work.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on January 10, 2018, 08:23:08 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains. 
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 12, 2018, 03:41:51 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Down about $50K this year, mostly due to the Zillow value of my home becoming more reasonable.  I left my full time job and started a new venture in February 2017, so I wasn't saving nearly as much as before.  Investments were up $192K.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jengod on January 12, 2018, 10:50:52 PM
Looks like we are up $350K this year. Increase is from a modest stock options payout, phenomenal mutual fund gains and a continuing spike in housing prices in our area (we finally crossed the $1M threshold for home value).

Thanks to this thread we now record an annual net worth total and will report again next year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wkumtrider on January 13, 2018, 11:36:22 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: NinetyFour on January 13, 2018, 03:07:00 PM
WOO HOO!!!!!!!!!!!!!  :D
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: nora on January 13, 2018, 11:15:09 PM
Ours increased 206000 (difference from this in numbers below is due to currency change). We became millionaires this year. Another great year despite big changes with husband retired and me working casually. We have rented out two of three spare bedrooms and some of our land, which really takes away a lot of the living expenses for us and increases our savings rate -these yield around 22000.

We had a big increase in super (Australia) due to sharemarket, and started to save outside super although only a small amount at this stage of around 45000. Hoping to increase this in the coming year. We would have annual expenses $60000 covered once it reaches 750000 assuming we rent the third room also, o a few more years work to go. Most of our net worth is in home equity, around 770000 with most of the balance in super.

Jan 2018 1175000 nzd
Jan 2017   950000 aud
Jan 2016   642000 aud
Jan 2015   445000 aud
Jan 2014   190000 aud
Jan 2013     90000 aud
Jan 2012    -15000 aud

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 15, 2018, 11:09:56 AM
My NW went up $171,341 this year.  And my main job only paid me ~$80K gross.  My rental income mostly paid my mortgage, and I had $17K in side-gig income.  Still.  Jeepers.

Niiice.. Still quitting in 2018?

Yes--very definitely.  No turning back now, even if I wanted to, as I signed paperwork for the Voluntary Separation Incentive Payout, which I will receive on 6/30/18.  My last day of classes will be on April 19.....109 days from now.  :)

Awesome..:)

You are keeping the side gig in FIRE, correct? I think that means you oversaved! :-)

94 more days until retirement....
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Zoot on January 16, 2018, 10:05:53 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.

Welcome to the Double Comma Club!  :)  Come join us in the Race from $1M to $2M (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$1m-to-$2m/) thread for your next million!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Parizade on January 16, 2018, 10:12:08 AM
My net worth increased by 80K last year while my COL decreased by about 20K
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 16, 2018, 10:57:38 AM
2018 - $1,003,888.  I an officially a millionaire.  Can't believe it.

Welcome to the Double Comma Club!  :)  Come join us in the Race from $1M to $2M (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$1m-to-$2m/) thread for your next million!

I thought the next level after two commas was three commas!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Zoot on January 16, 2018, 02:35:45 PM
I thought the next level after two commas was three commas!

That would be a VERY nice club to be in.  :)  Right now, though, I'm just focusing on the number before the first comma!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: oldtoyota on January 16, 2018, 07:00:18 PM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Well done!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on January 17, 2018, 07:48:44 AM
1/1/17: ~$98,256
12/31/17: ~$157,542 (~60% increase)

My investment portfolio increased from $72,402 to $115,560 (also a ~60% increase).

Well done!

Thank you!  Have a feeling that 60% will be a lifetime high increase but we'll see what 2018 can bring.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: MVal on January 18, 2018, 09:00:22 AM
My net worth at the beginning of 2017 was $84K and on the last day of the year, it was $120K. Despite a decrease in my savings rate, my net worth still increased $2000 more than it did last year!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sw1tch on January 22, 2018, 07:27:01 PM

I'll post my approximate #'s here including my estimated pension balance at the beginning of the year:

2015: $236,000 (included estimated house value but sold it mid-year)
2016: $338,000
2017: $474,000
Current: $515,000

2018: $671,466
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Pooplips on February 09, 2018, 07:20:22 AM
Student loans are a bitch.

Before tracking I was way negative my wife and I with a load of student loans.

4/4/13 -$44k
12/27/13 -$18k
11/26/14 +$32k

Wow two years makes a difference. Paid off my remaining Student loan debt and Net worth is at ~$145K

12/31/2017 - $218,148.00

Time moves too quick
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on February 09, 2018, 07:27:13 AM
Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K
Feb 2018 - $643K

Late this year, and I didn't record anything in December or January, so just go with current.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: reverend on March 02, 2018, 04:52:43 PM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: G-dog on March 02, 2018, 05:03:12 PM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Your NW EXPLODED! Congratulations!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: SwordGuy on March 02, 2018, 05:26:22 PM
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....

I agree.   

I don't set Net Worth goals.  Instead, I set goals for how much I will invest and how much debt I'll pay off. 

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on March 04, 2018, 04:44:14 AM
I just looked back to my increases. I was late to using Mint so I don't have data past 2012.

I started out in April 2012 with a NW of -$123026. This was mostly my mortgage of over $200K.

January 2013: -$52,635 (yes, negative number)
January 2014: $58,106
January 2015: $62,197
January 2016: $166,307
January 2017: $554,313
  The huge leap here was two-fold. Eliminating a $180K mortgage AND depositing the $42K profit from selling the house, so basically a $220K bump in NW.
January 2018: $905,233

As of right now
March 2018: $935,830

Umm... I will still say congrats, but your net worth didn't jump that much because you were failing to account for the value of your house against your mortgage.

Nonetheless well done :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Tigerpine on March 06, 2018, 03:21:24 PM
It was 2015 when I started to really get my fiscal house in order, so my numbers are nowhere near as impressive as those before me, but....

Started the year with a negative net worth of roughly $3700.
Ended the year with a positive net worth of roughly $35,000.
Net gain of about $38,700.

Heading in the right direction!

Wow, 2017 was a good year.  Started with roughly $35,000 per above.
Ended with roughly $93,000.
Net gain of about $58,000.

Financially speaking, 2017 was the best year of my life (so far).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: londonbanker on April 05, 2018, 05:21:43 PM

Good year for me too... NW went up £229k overall, which mostly came from good old saving and mortgage payment (capital repayment). I almost completely missed the market bull run, being mostly liquid, so didn’t really get my of my NW increase from that... lesson to self; never try to time the market again!!!

4Q17 - £1,738k +£229k
4Q16 - £1,509k
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: dude on April 06, 2018, 07:36:48 AM
Damn, since I posted my 2017 NW, Zillow has upped the estimate on my home value by $48k!  Yikes.  I knew our local real estate market was hot and suspected their previous estimate was on the low side, but I didn't know it was THAT hot. The spring buying season is in full swing and must be providing some relevant comps.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: onlykelsey on August 03, 2018, 06:41:20 AM
Coming back to the forums after nearly two years away...

January 1, 2017: 511K
December 31, 2017: 665K (+154K)

About 120K was saved/invested, the rest was gains/increase in home equity.  Unfortunately I am not on pace to be anywhere near that this year.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on August 15, 2018, 03:52:01 PM
We didn't start tracking our net worth or (loosely) following MMM until May 2017.  Had i been paying attention earlier i'd be retired by now.

   Liquid Net Worth

5/1/2017   $1.55
6/1/2017   $1.61
7/1/2017   $1.64
8/1/2017   $1.75
9/1/2017   $1.79
10/1/2017   $1.82
11/1/2017   $2.02
12/1/2017   $2.10
1/1/2018   $2.17
2/1/2018   $2.23
3/1/2018   $2.20
4/1/2018   $2.22
5/1/2018   $2.28
6/1/2018   $2.34
7/1/2018   $2.40
8/1/2018   $2.45
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on August 15, 2018, 04:15:07 PM
Your numbers are confusing, wannabe.  Do you really have less than five dollars in liquid net worth, tracked down to the penny?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Lews Therin on August 15, 2018, 04:22:38 PM
you probably have to add a few zeros Sol. reasonable way to hide the true amount.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on August 15, 2018, 06:55:45 PM
you probably have to add a few zeros Sol. reasonable way to hide the true amount.

You'll have to forgive him. Look at his head-shot, clearly dropped as a child.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on August 15, 2018, 08:00:34 PM
At 2.5 million dollars are you sure you're not ready to retire ?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: wannabe-stache on August 16, 2018, 07:24:07 AM
At 2.5 million dollars are you sure you're not ready to retire ?

i tried to respond from home but it didn't go through. DW and i went the last ~5 years spending loads of money (high end wine, vacas, Equinox, etc.).  i was introduced to MMM May 2017 and went (almost) full tilt. traded the BMX SUV for a CRV. cut cable and the landscaper. etc.  we still are far from mustachians but now we save every penny.

we weren't completely blind - we always maxed 401ks, i have almost always taken my lunch to work - but a combination of belt tightening and aggressive investment into the equity markets really drove up our numbers quickly.

we have a 1 year old, may have another, and live in a HCOL city. at our ages (me 38, her 34) i am not ready to leave a good/great job until we have over $3M in invested assets.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on August 16, 2018, 07:38:20 AM
Coming back to the forums after nearly two years away...

January 1, 2017: 511K
December 31, 2017: 665K (+154K)

About 120K was saved/invested, the rest was gains/increase in home equity.  Unfortunately I am not on pace to be anywhere near that this year.

Me too. This year is not as good as the preceding ones. Call it reversion to the mean if you will.

Still on track for a 6 figure increase, but 3 years in a row of ~$180k gains have resulted in my expectations being too high.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: onlykelsey on August 16, 2018, 07:42:01 AM
Coming back to the forums after nearly two years away...

January 1, 2017: 511K
December 31, 2017: 665K (+154K)

About 120K was saved/invested, the rest was gains/increase in home equity.  Unfortunately I am not on pace to be anywhere near that this year.

Me too. This year is not as good as the preceding ones. Call it reversion to the mean if you will.

Still on track for a 6 figure increase, but 3 years in a row of ~$180k gains have resulted in my expectations being too high.
Yeah.  I don't try to time the market, but I do feel like we have to be coming to an end of this bull market soon (at least in the US), so I'm trying to further temper my expectations.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: eazyebeneezer on August 17, 2018, 06:27:26 AM
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k

Thanks to MMM, the concept of net worth and how to save (and invest!) money finally sunk in for me this year. I was on a paltry savings rate, content that I was contributing to my teacher pension plan for the last ten years (11% of gross income). Then I realized how much better I could be doing. This year I'm on track to max out 403b, 457b, Roth IRA, and put substantial money in a 529 and a taxable account after that. Target is a 75% savings rate. It wasn't even hard to do given my lifestyle preferences. I was just woefully in the dark about how and where to save and invest. Long live MMM and the FI blogosphere!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on August 17, 2018, 06:17:31 PM

at our ages (me 38, her 34) i am not ready to leave a good/great job until we have over $3M in invested assets.

At this rate, you'll be there midway through next year. Nice job!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on December 03, 2018, 01:22:09 AM
*clears throat* Ahem. Topic title updated to 2018.

These years seem to be ticking over faster and faster :/

This year has been pretty ordinary for me. Can't complain, still up, but nothing like the last 5 years. End of the Sydney property boom and a falling stockmarket will do that.

No drama, in 20 years time it'll all be noise.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)aug
Post by: mustachepungoeshere on December 03, 2018, 02:20:46 AM
*clears throat* Ahem. Topic title updated to 2018.

These years seem to be ticking over faster and faster :/

This year has been pretty ordinary for me. Can't complain, still up, but nothing like the last 5 years. End of the Sydney property boom and a falling stockmarket will do that.

No drama, in 20 years time it'll all be noise.

Been waiting for this. I’ll be back in six days.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 03, 2018, 05:45:18 AM
Fairly low NW increase compared to past 3 years........but meh.

Lower income, lower returns. Won't know for sure for another 4 weeks! Se y'all soon :)
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 03, 2018, 05:59:40 AM
Can't we at least wait until the year ends! ;)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on December 03, 2018, 06:26:24 AM
12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stick returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.
Update: 12/31/18...$1.55. Darn markets.

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 03, 2018, 03:50:56 PM
12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stick returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.

Do you really mean that your net worth has only gone up less than 5 dollars in three years?

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: G-dog on December 03, 2018, 04:43:42 PM
12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stick returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.

Do you really mean that your net worth has only gone up less than 5 dollars in three years?

Yes, exactly. Those Tesla’s really cut into savings.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 03, 2018, 06:07:32 PM
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)

Slacked off a bit this year.... but I downshifted a bit on the job front, going from FT job + freelance work to just a PT job + freelance work, and I'm SO much happier now. Hitting FIRE is no longer my number one goal in life.

Also, the market wasn't amazing like in previous years, so I guess I shouldn't expect the same increase we've had in previous years.

Overall, I'm not completely thrilled, but I'll take it!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on December 03, 2018, 07:26:35 PM
12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stick returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.

Do you really mean that your net worth has only gone up less than 5 dollars in three years?

Yes, exactly. Those Tesla’s really cut into savings.
Lol! I want my two dollars! That’s what I need for FIRE.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 03, 2018, 10:25:29 PM
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)

Slacked off a bit this year.... but I downshifted a bit on the job front, going from FT job + freelance work to just a PT job + freelance work, and I'm SO much happier now. Hitting FIRE is no longer my number one goal in life.

Also, the market wasn't amazing like in previous years, so I guess I shouldn't expect the same increase we've had in previous years.

Overall, I'm not completely thrilled, but I'll take it!

@startingsmall , just for perspective, in a non-amazing year your net worth has gone up more that most families in the USA make in gross income for the year.

I think that's pretty darn amazing!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: englishteacheralex on December 03, 2018, 11:11:19 PM
January 2012: $2,062
January 2013: $20,767 (18k)
January 2014: $23,761 (3k)
January 2015: $67,357 (44k)
January 2016: $111,452 (44k)
January 2017: $196,914 (85k)
January 2018: $277,528 (81k)
December 2018: $325,819 (48k)

Huh. Interesting stats. I never did this before but it was easy to construct via Mint. I guess 2016-2018 was the crazy Trump market run-up, huh? Because I'm pretty sure we save around $35k every year. The rest is just market gains. Also I hate to say it but I include our condo's "Zestimate" in our net worth. And 2015-2018 were good to us as far as real estate appreciation went.

Anyway, that was fun.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 04, 2018, 06:17:34 AM
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)

Slacked off a bit this year.... but I downshifted a bit on the job front, going from FT job + freelance work to just a PT job + freelance work, and I'm SO much happier now. Hitting FIRE is no longer my number one goal in life.

Also, the market wasn't amazing like in previous years, so I guess I shouldn't expect the same increase we've had in previous years.

Overall, I'm not completely thrilled, but I'll take it!

@startingsmall , just for perspective, in a non-amazing year your net worth has gone up more that most families in the USA make in gross income for the year.

I think that's pretty darn amazing!

Good point!! Thanks for the attitude adjustment!!

Also, we're not in the upper-earning levels of MMM members (I don't think) so that $68k represents over half of our yearly combined income. I'll take it. I  think it's easy to get a skewed perspective on this board, with so many super-high earners!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 04, 2018, 08:00:25 PM
Always enjoy seeing this thread pop up, and cannot resist checking.   Again, not net worth, but the bulk of our retirement savings at Vanguard. 

$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
$746,482.89  12/31/16
$979,476.57  12/31/17
$1,148,530    12/04/18

I'll update after 12/31/18... I am curious to see if it is higher or lower with the latest volatility.  It is definitely down from the highest point of the year. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: givemesunshine on December 04, 2018, 08:33:25 PM
31st Dec 2015 - $161K
31st Dec 2016 - $195K
31st Dec 2017 - $236K
31st Dec 2018 - $266K

Slow and steady - medical expenses have been over $20K in the last 3 years, still going unfortunately. I will likely have a small wage increase from 1st January which means I can slightly increase my savings. Hopefully the market picks up too.

Good luck to all.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: kayvent on December 08, 2018, 05:00:34 PM
September 2015: -30K
End of November 2016: 0.

Never been so happy to be worthless.

01/12/17: 33K. (This surprised me. From September to November of this year, I had ~4000 in unexpected expenses arise. I still managed to go from saving 2K/month from 01/09/15 -> 01/12/16 to 2.75K/month from 01/12/16 -> 01/12/17. Student loan should be finished in a few months.)

01/12/18 was 56K. This year I definitely spent more than usual to subsidize the stress from some struggles in life. My kid is also getting older. Doing more with her may have contributed to this. There's more stressful events coming in 2019 and maybe a lot of legal fees. I'm hoping those issues work out. Side goal is to reign in the spending. My income rose by many thousands but my savings rate went down.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 08, 2018, 08:11:12 PM
2019 goals, our first full FIRE year:

Rental #4 value: +$45,000   (from repairs and enhancements)

Market holdings: - $ 5,000 plus or minus whatever the market does.   (Budget shortfall from non-stock income sources)

Mortgage debt:   +$10,330  (payments against principal)
======================
Total               : +$50,330 plus or minus whatever the market does.

7% Market      : +$90,000 (give or take a goodly bit since I have no idea what market valuation will be at EOY)
======================
                      +$140,330




Flip #2 will be a wash, that's to assist my repair buddy get his business up and going.



Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Abe on December 08, 2018, 10:58:49 PM
We saved $65k but are currently down $8k since Jan 1st. Only $57k increase but next year’s expenses will be much less.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: BeautifulDay on December 08, 2018, 11:38:18 PM

            Net Worth            Investment Assets (401k, IRAs, HSA)
Mar 2016      $28,361              $72,408.
Dec 2016      $80,499   + $52k.    $96,796. +24k.
Dec 2017     $128,724   + $48k.   $116,626. +$20k
Dec 2018     $148,046   + $19k.   $134,289. +$18k


2016 - lived for free in company housing and put all our money towards debt
2017 - bought a house, so investments took a hit.
2018 - were doing good until October. Should have been closer to $40k investments increase. Oh well. Keep on going up. I think 2019 will help us really ramp up our investments.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: mustachepungoeshere on December 09, 2018, 03:04:58 AM
December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000
December 9, 2018: $301,000
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on December 09, 2018, 03:57:10 AM
Always enjoy seeing this thread pop up, and cannot resist checking.   Again, not net worth, but the bulk of our retirement savings at Vanguard. 

$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
$746,482.89  12/31/16
$979,476.57  12/31/17
$1,148,530    12/04/18

I'll update after 12/31/18... I am curious to see if it is higher or lower with the latest volatility.  It is definitely down from the highest point of the year.




Those are awesome numbers especially when you look at your gains through the years of 08',09 etc..
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: happy on December 09, 2018, 04:02:28 AM
It looks like I will come in with the same net worth. I'm half way through a real estate project and have paid a lot of expenses up front, which explains why no increase. The housing market is also not going well which makes it hard to predict values accurately.

I'll update Dec 31 or so when the final figures are in, but if I have not net increase then I'll  be very satisfied, thought I would have gone down.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Eric222 on December 09, 2018, 07:22:15 AM
NW increase in 2018:

2017 NW Change:  +$130k

Dec 31 2017:  -$160k
Dec 31 2018 (approx):  $4k

2018 NW change:  $164k

Woot!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: G-dog on December 09, 2018, 07:38:23 AM
NW increase in 2018:

2017 NW Change:  +$130k

Dec 31 2017:  -$160k
Dec 31 2018 (approx):  $4k

2018 NW change:  $164k

Woot!

That’s seriously amazing
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Eric222 on December 09, 2018, 09:24:11 AM
NW increase in 2018:

2017 NW Change:  +$130k

Dec 31 2017:  -$160k
Dec 31 2018 (approx):  $4k

2018 NW change:  $164k

Woot!

That’s seriously amazing

High paying job + raises + steady moderate spending works quite nicely.  It's mostly the high paying job though....I'd have to spend silly amounts of money to not save a lot.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: G-dog on December 09, 2018, 09:57:22 AM
NW increase in 2018:

2017 NW Change:  +$130k

Dec 31 2017:  -$160k
Dec 31 2018 (approx):  $4k

2018 NW change:  $164k

Woot!

That’s seriously amazing

High paying job + raises + steady moderate spending works quite nicely.  It's mostly the high paying job though....I'd have to spend silly amounts of money to not save a lot.

Yet many do have high paying jobs and don’t manage to save / invest much.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 09, 2018, 10:13:08 AM
I'm very impressed regardless of income!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: kendallf on December 16, 2018, 06:35:40 PM
I found MMM in late 2012 and started tracking things seriously in Mint soon after.

Jan 2013: ~250k
Oct 2017: ~720k

Dec 2018: ~818k.  Down about 80k from September but I'll take it!  My wife's accounts are not included here and she had a great year with some work stock and cash bonuses.

I have felt like I was just treading water this year with some expenditures ratcheting up.  Good to look at this and realize how fortunate we really are.  I still need to stop eating out so damn much! 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: EricNYC on December 16, 2018, 07:21:55 PM
Going by my YNAB numbers, from the old desktop version:

Start (July 2014): $2.2K
Jan 2015: $9.8K
Jan 2016: $45.9K (killed my student loans, opened up a Vanguard investing account and went into VTSAX, increased my 401(k) contributions and also opted into my employer's employee stock purchase plan)
Jan 2017: $65.2K (first full year of, so while this was a pretty modest increase I'm still happy about it)
Jan 2018: $117.7K (had a better 401(k) with the job I had in 2017, so I went full bore into that)
Dec 2018: $138.6K (my employment situation was rocky the first half of the year, and some of this is from the stock market, but I see what I need to do better!!!)
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 16, 2018, 08:17:54 PM

My net worth

2013  -$33,600 owed (student loans)
2014  -$21,000 owed
2015 -$2,242 owed  - so close to free!!!!


2016 = + $5000 net worth. Finally made it into the positives!

2017 = + $35000 net worth!   (+retirement account of $90k = total NW of $125,000)


2018 = $82k net worth (+ $110k retirement, Total NW $192k). Increase of $67k!


Picked up a second job this year, and was able to smash my goals! Hoping to do the same next year.

Goal for 2019 = hit a quarter of a million,  by adding $60,000 to my net worth ($20k invested, $20k retirement and $20k to mortgage). It's amazing how it adds up!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 17, 2018, 06:40:57 AM
Dec 2015 $x
Dec 2016 $2.23x
Dec 2017 $2.81x

Doing my annual leave-the-numbers-up-for-a-few-day-then-get-privacy-shy-and-take-them-down

Dec 2015: $k
Dec 2016: $k
Dec 2017: $k
Dec 2018: $k

Didn't get the NW shot in the arm this year of purchasing a property <ARV and the stock market didn't help but still moving in the right direction.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 17, 2018, 08:24:11 AM
If the market stays flat for the rest of the year, it looks like we'll be about even for the year.  I'm good with that. 

We FIRED halfway thru the year.


Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 17, 2018, 08:35:54 AM
2018: $3083k +$74k.  First full year of FIRE and moved overseas.  Generally crummy market returns.  However, I've lived a good life for the year and net worth has risen without a primary job (I have done a bit of ad-hoc consulting).  Expenses have been lower than the portfolio income (so haven't had to sell any shares yet). 
2017: $3009k +336k (married, had a kid, quit work in October)
2016: $2672k +989k (+600k from trauma insurance, a bit of a net downer)
2015: $1683k +287k
2014: $1396k
2013:  $1152k
2012: $885k
2011 $649k
2010: $615k
2009: $183k
2008: $54k
2007: $48k 
2006: $11k (Personal finance awakening)

Run rate over the last couple of years seems to have stabilized around $240k/year, about 50/50 saving and investment return.

Pretty amazing how fast it snowballs!  I'm interested to see what happens in 2018, as this will be the first year with no active income
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mississippi Mudstache on December 17, 2018, 11:36:46 AM
I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

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

So 2017 is my best year so far in gross dollars, but it doesn't compare to 2014 as far as percent change. I had significant headwinds this year, as I pulled a bunch of money out of the market in January to buy a house (great timing, eh?) and I also started a new job and am not eligible for the 401k until I have a year under my belt (I will be eligible starting January 2018). So, 2018 should be a better year as far as retirement contributions go, but I don't expect it to match 2017 with regard to investment returns.

Year    Starting        Ending       Change      % Change
2018    $231,000     $255,000     $24,000       10%

My quote from December 2017 turned out to be prescient: "2018 should be a better year as far as retirement contributions go, but I don't expect it to match 2017 with regard to investment returns." My retirement contributions for the year total $46,460 and I've accrued $15,000 of equity in my house, but my net worth has only gone up $24,000. It has been a shitty year for investments. My bonds and international stocks performed even worse than the domestic stock market, dragging the whole portfolio well into the negative.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 20, 2018, 09:00:55 AM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.

December '18 - $651,778 ($123,244, 23%)

We did well on contributions, but our conservative estimate of home equity is down and investments were a mixed bag.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: thesis on December 20, 2018, 09:15:05 AM
Impressive numbers on here, cool to see :)

Discovered ERE/Mustachianism in mid 2017. Ended 2017 with $10k in an emergency fund, $7k in the 401k, and maybe about $5k in an old HSA. Watched this explode as I hit the 50% savings rate, get a completely unexpected bonus, and get my company 401k match. Currently sitting around $50k for everything.

Easiest metric is the 401k. At the end of 2017 it was at $7k. Here at the end of 2018 it's at $28k (was higher before the market dips)(and no I didn't exceed the limit for individual contributions =P). Seriously would never have believed how easy this was. The high savings rate really works. Excited to see what a few more years of this will accomplish
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dude on December 21, 2018, 09:31:33 AM
YOY NW increased by $114,439.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: lexde on December 21, 2018, 09:51:50 AM
NW increased by $28K. Finally paid off student loans, now in the build-wealth phase.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dude on December 21, 2018, 11:44:34 AM
NW increased by $28K. Finally paid off student loans, now in the build-wealth phase.

Congrats on the student loan payoff (at 28?!)!  I just paid mine off this year as well -- after 20+ years of paying them!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: lexde on December 21, 2018, 11:46:34 AM
NW increased by $28K. Finally paid off student loans, now in the build-wealth phase.

Congrats on the student loan payoff (at 28?!)!  I just paid mine off this year as well -- after 20+ years of paying them!
Thanks! Yep, I wanted them GONE. It was about $2k/mo for 3 years, and I’m glad it’s finally over! I’m hoping that this next phase with investing goes a little faster now for net worth building. The last three years was a total slog.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Bird In Hand on December 21, 2018, 12:23:16 PM
Wow, almost everyone's NW seems to be going up this year despite the market stepping back a bit.  I'm guessing this is largely a combination of: early in the accumulation phase so the market drops don't hurt as much, very high paying jobs/high savings, and including home equity in NW.

We're down around $5,000 NW* since Jan 1.  That's after contributing ~$50k to to our retirement accounts and reducing our mortgage principal by ~$30k.  So +/- $85k market losses year to date.

*Not including home equity
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: StarBright on December 21, 2018, 02:33:09 PM
Wow, almost everyone's NW seems to be going up this year despite the market stepping back a bit.  I'm guessing this is largely a combination of: early in the accumulation phase so the market drops don't hurt as much, very high paying jobs/high savings, and including home equity in NW.

We're down around $5,000 NW* since Jan 1.  That's after contributing ~$50k to to our retirement accounts and reducing our mortgage principal by ~$30k.  So +/- $85k market losses year to date.

*Not including home equity

If you don't count home equity we are basically flat for the year (after today). We have low upper middle class incomes for a LCOL area (household income of about 115k in the midwest ). We are about three years into serious accumulation phase  (saving 50k -ish a year). My 401k is exactly where it was in January despite adding 20k to it over the year- ugh. I've got ten years until I am planning on retiring though, so I'll keep on keeping on.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: tralfamadorian on December 21, 2018, 03:10:14 PM
Wow, almost everyone's NW seems to be going up this year despite the market stepping back a bit.  I'm guessing this is largely a combination of: early in the accumulation phase so the market drops don't hurt as much, very high paying jobs/high savings, and including home equity in NW.

We're down around $5,000 NW* since Jan 1.  That's after contributing ~$50k to to our retirement accounts and reducing our mortgage principal by ~$30k.  So +/- $85k market losses year to date.

*Not including home equity

There is one other major wealth category that many have- investment real estate.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 21, 2018, 07:25:25 PM
Always enjoy seeing this thread pop up, and cannot resist checking.   Again, not net worth, but the bulk of our retirement savings at Vanguard. 

$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
$746,482.89  12/31/16
$979,476.57  12/31/17
$1,148,530    12/04/18

I'll update after 12/31/18... I am curious to see if it is higher or lower with the latest volatility.  It is definitely down from the highest point of the year.




Those are awesome numbers especially when you look at your gains through the years of 08',09 etc..

Thank you.  We are pretty happy (and amazed) at our progress.   We plan to just keep on grinding for a while. Thankful of this sight to get us back on track. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 21, 2018, 07:47:43 PM
NW increased by $28K. Finally paid off student loans, now in the build-wealth phase.

Congrats on the student loan payoff (at 28?!)!  I just paid mine off this year as well -- after 20+ years of paying them!
Thanks! Yep, I wanted them GONE. It was about $2k/mo for 3 years, and I’m glad it’s finally over! I’m hoping that this next phase with investing goes a little faster now for net worth building. The last three years was a total slog.
Congrats!  I still have some student loans but they are at 2% so I haven't paid them off (and even though I could write a check for them, I don't intend to unless I can't make more $ elsewhere).  But not having that debt has to feel good.   
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: sol on December 21, 2018, 08:09:51 PM
Hilarious quote from a poster named sol from a year ago:

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

That guy was clearly wrong, because lots of people are not only complaining about a drop of less than 20%, they're actually suggesting we should all sell as a result.  No!  You're doing it backwards!

This post has been a public service announcement directed at those market timers on the forum.  The current market drops are the natural consequence of the amazing recent market surges.  I'm still not blinking.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 21, 2018, 09:17:29 PM
Wow, almost everyone's NW seems to be going up this year despite the market stepping back a bit.  I'm guessing this is largely a combination of: early in the accumulation phase so the market drops don't hurt as much, very high paying jobs/high savings, and including home equity in NW.

There is one other major wealth category that many have- investment real estate.

Correct for us.   Our gains this year have been thru real estate investment appreciation in value (due to renovating troubled properties).   Stocks are a loss for the year, but that's ok.   They'll go up again.

Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: mrmoonymartian on December 21, 2018, 11:30:21 PM
My self-worth is up about 20% this calendar year, entirely from frugaling. Investment returns alone would be subtractive.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 22, 2018, 12:21:54 AM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: nnls on December 22, 2018, 01:10:33 AM
Assuming no major changes in the market over the next few days

Net worth
Dec-2016 - $217,878
Dec-2017 - $241,310
Dec-2018 - $301,855

so a gain of about $60k which I am pretty happy with though not as impressive as a lot of people on this thread
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 22, 2018, 11:20:13 AM
Hilarious quote from a poster named sol from a year ago:

I think that's part of the utility of a thread like this one.  It makes "easy come, easy go" a little easier to accept.  We probably can't complain about a horrendous 20% market crash when everyone has doubled their money in three years. 

A 10% drop would technically count as a "correction" but that would only set us all back about twelve weeks.  That's chump change.  I wouldn't even blink.

That guy was clearly wrong, because lots of people are not only complaining about a drop of less than 20%, they're actually suggesting we should all sell as a result.  No!  You're doing it backwards!

This post has been a public service announcement directed at those market timers on the forum.  The current market drops are the natural consequence of the amazing recent market surges.  I'm still not blinking.

Yeah, that Sol guy is pretty funny.  Everyone knows that you must completely ignore all previous gains and immediately freak out and sell when the market drops.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: ACyclist on December 22, 2018, 02:53:00 PM
95K 2015
147K 2016
287 2017
528K 2018 (found this place and added the rest of my holdings, and sold a house)
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on December 22, 2018, 04:02:58 PM
Congrats to all those who numbers are up in a down market. Though being fire'd and have really no income stream other than my DW's small income I am happy that I am slightly ahead of almost 4 years after my withdrawals of closer to 5% after the market drop. So i cant report any increase but so far sustainability is not to shabby.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: iris lily on December 22, 2018, 04:53:31 PM
Congrats to all those who numbers are up in a down market. Though being fire'd and have really no income stream other than my DW's small income I am happy that I am slightly ahead of almost 4 years after my withdrawals of closer to 5% after the market drop. So i cant report any increase but so far sustainability is not to shabby.
Not exactly up, but I’ll take it:

3 days ago I checked my 457 account and found that it had $353,713. That seemed ok to me but I didnt remember how much was in it a year ago. I only check these accounts annually.

So I looked up last year’s snapshot on the same day of 2017 and that account was at $353,815.

Whoah, a difference of $100. Yeah, I will take that!But for a true accounting I should use the valuation on December last day, and that will be down, most likely.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: fuzzy math on December 23, 2018, 09:35:42 PM
I recorded 2016 as 94k, 2017 as 201k and now after $54,000 in retirement contributions for 2018 my accts are sitting at 217k. I can't remember if my end 2017 included home equity, but if so I knocked another 10k off the balance and now sit at 50k there.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Edubb20 on December 24, 2018, 05:50:22 PM
12/16: -28k (age 30)
12/17: -12K(age 31)
12/18:  38k (age 32)

Due to some positive career changes we're hoping to double our savings rate from from what it was 12/17-12/28. Should be saving about 70% of our take-home pay. Here's hoping things go as planned.

Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: sol on December 27, 2018, 02:00:40 PM
I have to math early this year because I'll be away from computers for the next week, so I'm checking in a few days ahead of schedule.

Reviewing my previous posts in this thread, it looks like

At the end of 2014 we were at 61% of our target retirement amount.
At the end of 2015 we were at 71%.
At the end of 2016 we were at 86%.
At the end of 2017 we were at 107%.

Then I retired in August, when we were at 117% of our target.  Then the market crashed, and now at the end of 2018 we are back down to 108% of our target.  At no point since 2013 have I deliberately altered my asset allocation, which means I rode the wave up long after I thought it would crash, and then this year I rode the wave back down a bit.

To be fair, all of those quoted values are liquid assets only, not counting equity in real estate.  Our RE equity has been rising along with everything else, and is now approximately twice what we would need to pay off our primary mortgage.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

As predicted, I gave away half of my earnings for the year.  Also as predicted, we're in reasonably good financial shape even after the recent market turmoil.  We're another year closer to death, which means my funds have to last for a shorter period of time.  Our net worth climbed by a six figure amount this year even after everything that happened, meaning we have more funds available to cover that shorter period of time than we had last year at this time. 

So far, no regrets.  Retirement is awesome.  Our finances are sound.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 27, 2018, 02:33:41 PM
I have to math early this year because I'll be away from computers for the next week, so I'm checking in a few days ahead of schedule.

Reviewing my previous posts in this thread, it looks like

At the end of 2014 we were at 61% of our target retirement amount.
At the end of 2015 we were at 71%.
At the end of 2016 we were at 86%.
At the end of 2017 we were at 107%.

Then I retired in August, when we were at 117% of our target.  Then the market crashed, and now at the end of 2018 we are back down to 108% of our target.  At no point since 2013 have I deliberately altered my asset allocation, which means I rode the wave up long after I thought it would crash, and then this year I rode the wave back down a bit.

To be fair, all of those quoted values are liquid assets only, not counting equity in real estate.  Our RE equity has been rising along with everything else, and is now approximately twice what we would need to pay off our primary mortgage.

As previously discussed (https://forum.mrmoneymustache.com/welcome-to-the-forum/'one-more-year'-strikes-the-rich-the-hardest/), I still plan to give away at least half of my salary for every paycheck I receive past my target date.  The other half will go towards special spending projects, like replacing the siding on my house before we have any structural damage, to try to minimize future unexpected irregular expenses.  The recent spike in asset values has me a little worried about a coming crash, but it has spiked so far by now that even a moderate recession would leave us in reasonably good shape.

As predicted, I gave away half of my earnings for the year.  Also as predicted, we're in reasonably good financial shape even after the recent market turmoil.  We're another year closer to death, which means my funds have to last for a shorter period of time.  Our net worth climbed by a six figure amount this year even after everything that happened, meaning we have more funds available to cover that shorter period of time than we had last year at this time. 

So far, no regrets.  Retirement is awesome.  Our finances are sound.

Congratulations Sol!  Retiring just before this latest downturn could be very disconcerting but it looks like you have it well in hand.

And I agree.  Retirement IS awesome!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Gin1984 on December 27, 2018, 09:51:36 PM
We increased our net worth by $45,000.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: waltworks on December 28, 2018, 08:56:39 AM
Looks like as of today, we are down in NW by about $23k. Not too shabby given the performance of the stock market.

-W
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: LPG on December 28, 2018, 09:47:57 AM
Up about $28k this year. A bit frustrating since I had the arbitrary goal of breaking out of the $100k -> $250k race this year, and the recent bear market cost me that accomplishment. But still a decent increase in NW, and a good increase in shares owned. Preparing for the next big gain, so to speak.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: 30to40 on December 28, 2018, 10:45:29 AM
After a complete wipe out due to sickness and being unable to work, this has been a good year. Bought an apartment, so some one time expenses, but:

Home equity up 44500$ this year, which is very nice as we bought it 5 months ago.

Pension up with 6200$.

Side hustle will make 23000$ in profits after tax, that goes straight to investments.

Hopefully 2019 will be just as good :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Roots&Wings on December 28, 2018, 11:15:26 AM
2013:  $315k  (salary $75k)
2014:  $420k  (salary $80k)
2015:  $475k  (salary $86k)
2016:  $601k  (salary $90k) - hit $500k in April
2017:  $754k  (salary $91k)
2018:  $758k  (salary $93k)

Financial goals: a paid off house + $1.3M stash to support a conservative 3% withdrawal rate via ~75% savings rate, 90/10 asset allocation.

NW basically flat despite plowing over $35k into the market. Spendiest year ever in 2018 at $38.6k. Savings rate plummeted to 52% with atypical expenses: $1k car timing belt, $9.4k new HVAC system + ductwork, solar PV system, 2 international trips, fancy pants house items like a firepit, new bed, and a boat (kayak) in honor of b42. Asset allocation now 80/20.

Wishing everyone a Happy New Year!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SnackDog on December 28, 2018, 11:27:42 AM
The markets most of us invest in will be down around 10% for 2018, so depending on the ratio of annual savings to current investments, it could be a net worth decrease for 2018.  We'll find out more by the end of the day Monday.  The good news is that 90% of economic indicators are good so 2019 should not be a bad year.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 28, 2018, 11:37:02 AM
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.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: E.T. on December 28, 2018, 11:56:53 AM
This is my first full year of tracking and figuring things out.
If I calculated right, it looks like a +$57k increase in net worth. I counted payments to principal on loans but didn't count home value. This was the year we crossed $0 into positive net worth, which felt awesome. I was super happy to be temporarily worthless. Happy New year everyone!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 28, 2018, 12:02:37 PM
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 (the value of which is not going to change drastically).

I was pleasantly surprised with the net change for 2014!

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/15
12/20/16: about $1,150,000 (excluding house)
12/30/17: about $1,333,000 (excluding house)
       Using the actual numbers - up about $184K in 2017.


1/2/19: about 1,260,000 - DOWN about $73K in 2018

A bit more spent this year (about $30K) due to lumpy expenses. I’m FIREd so no savings rate, but have cash to invest and have done a little of that (might get more done before the books close for 2018). Mostly this was market losses.  But I’m still moving money into the market.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 28, 2018, 02:46:01 PM
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.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: aceyou on December 28, 2018, 07:54:15 PM
2018 Year End Update:

2015 NW: $350k   Stache: 35k
2016 NW: $448k   Stache: 69k
2017 NW: $568k   Stache: 185k
2018 NW: $650k   Stache: 256k

Ages: Me (35), Wife (34), DS 6 and DD 3
Jobs: Me (HS teacher & coach 75k/year), DW (Administrator 80k/year)
FIRE Goals: We will both get a full pension at age 48, so 2031 for me and 2032 for DW.  Plan is paid off house and about 2 million stache to supplement the pensions. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 28, 2018, 08:33:36 PM
2017   $2523k

2018   $2524k


About a $1,300 gain in NW for the year, but that includes a $37k windfall we can't take any credit for.   It also includes about $16k in renovation costs on rental #4.   We'll get about a $35k bump up in NW by the end of Jan 2019 when rental #4 is ready to rent.   

We fired in May 2018.

Income wise for 2019, we'll have to draw down up to $10k from our savings for our budgeted living expenses, or less than 1%.    By end of 2020 we should have that gap closed so that we don't have to draw down our savings for a regular year with regular expenses. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Threshkin on December 28, 2018, 09:09:26 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

9% Y on Y TNW gain for 2017 (YTD).  Investment accounts were up 17%.  Cash reserves and real estate lowered the total gain for the year.

Down 3.8% Y on Y for 2018 (YTD).  The big drop at the end of the year wiped out significant gains.  This includes all expenses for the year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Lordy on December 29, 2018, 03:03:09 PM
Running the YTD numbers, it seems that 2018 has been a slightly sub-par year for me.

NW is up 49K (EUR) to 433. It rose significantly more last year (2017) but due to special events.
In 2016 it rose 53K and in 2015 it rose 45K, so 2018 was neither great nor bad.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Travis on December 29, 2018, 05:25:08 PM
2017   $2523k

2018   $2524k


About a $1,300 gain in NW for the year, but that includes a $37k windfall we can't take any credit for.   It also includes about $16k in renovation costs on rental #4.   We'll get about a $35k bump up in NW by the end of Jan 2019 when rental #4 is ready to rent.   

We fired in May 2018.

Income wise for 2019, we'll have to draw down up to $10k from our savings for our budgeted living expenses, or less than 1%.    By end of 2020 we should have that gap closed so that we don't have to draw down our savings for a regular year with regular expenses.

What feeds your day to day expenses?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: obstinate on December 30, 2018, 03:03:09 PM
2018:
¯\_(ツ)_/¯

Depending how you look at it, we are somewhat further from FIRE than we were. We moved into a much more comfortable apartment and had significant medical expenses. So the amount we have to clear has increased (assuming we would change nothing upon retirement, which is not the case). If the stock market were happy, then we'd probably have gotten "closer" to FIRE, although the recent fluctuations make me think that maybe that would simply be an illusion.

I must admit, I have enough things on my mind right now that a "loss" of $50k is hard to get wound up over. Maybe tomorrow I'll be up $50k. Or maybe I'll be down $300k, how I was earlier last week. As long as I can keep my family healthy and safe, and I keep hitting up a 50% savings rate, the FIRE situation will handle itself eventually.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Nate R on December 30, 2018, 07:28:40 PM
End of 2013: 27K
End of 2014: 41K
End of 2015: 78K
End of 2016: 120K
End of 2017: 199K
End of 2018: 241K

Increase of 42K or 21%.
Was above 250k at one point, but the market and a few other things squashed that. :-P

Changes this year: Paid off a personal loan that's been around for years, refi'd, added to, etc in the past. Used an unexpectedly huge tax return to get a head start on that. Paid off debt from selling our previous house at the end of last year (Which was underwater.)
Continued working on a degree that work is paying for much of.
Wife took a lower paying job, losing $7K in unvested company match she had, and about $8k/yr lower salary. But her stress level is MUCH MUCH better.
Saved a good chunk towards some home repairs and a 2020 off grid cabin build.
Still managed to increase out retirement savings by a few k, despite the market working against us.

2019: Hoping for a decent promotion. OTOH, we've decided to likely take out a HELOC to get a bunch of deferred maintenance done on the house now. All stuff we'd do anyway, just sooner. I'll continue saving for a cabin build as well, and a large international trip at the end of next year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 30, 2018, 08:25:01 PM
2017   $2523k

2018   $2524k


About a $1,300 gain in NW for the year, but that includes a $37k windfall we can't take any credit for.   It also includes about $16k in renovation costs on rental #4.   We'll get about a $35k bump up in NW by the end of Jan 2019 when rental #4 is ready to rent.   

We fired in May 2018.

Income wise for 2019, we'll have to draw down up to $10k from our savings for our budgeted living expenses, or less than 1%.    By end of 2020 we should have that gap closed so that we don't have to draw down our savings for a regular year with regular expenses.

What feeds your day to day expenses?


@Travis ,

Wife's social security and mentally handicapped daughter's disability,  farmland rental income, rental home income, and mortgage interest payments on our first flip sale cover the bulk of our expenses.   The <1% draw on our stock and bond portfolio covers the gap.

If we get to 5 or 6 rental properties (from 4), we'll close the gap.   Or when I go on SS at some point.


Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on December 31, 2018, 03:53:19 AM
My turn:

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

2015 - $713k
2016 - $898k

Out of this, only $210k would be considered net investments (taking out house equity and super). So therein lies the "problem" I have... not enough liquid, cash flow generating investments.

Something to solve in 2017.

2017 - $1,084k
2018 - ~$1,176k

It's been my smallest increase since I started keeping records, basically the problem was twofold - a falling realestate market and a falling stockmarket. And this year was also further boosted by a gift from mum and dad too, so in actual fact the "real" personal gain was much smaller.

Nonetheless, my income producing FIRE net assets have now increased to $425k. If I sold up the investment property and invested in shares I'd have enough dividends to cover my bare bones annual expenses.

That's a good achievement at 32. I am thankful for that.

Happy New Year everyone :)
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: happy on December 31, 2018, 03:55:49 AM
Good onya Marty!
Why aren't you at a party either?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on December 31, 2018, 04:15:02 AM
Good onya Marty!
Why aren't you at a party either?

I'm about *this* close to falling asleep lol.

Just caught up on your journal @happy  - well done on the weight loss. And yes it is hot here! Did you enjoy the storm this evening? I basically stood outside and was happy to drench myself in it!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: happy on December 31, 2018, 04:20:14 AM
Yes indeed, it was welcome. I've been working on my parents house all day today and came home completely exhausted without a NYE plan (except for "get pissed at home"). The house is now empty for the painters on 2/1. DD is hosting a NYE party for her friends.  The house is full of my parents furniture and mattresses for the fall out of the party.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: salt cured on December 31, 2018, 12:54:50 PM
Saved $124k while net worth increased $98k *shrug*
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: winkleweizen on December 31, 2018, 02:04:48 PM
760>930
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: chasingthegoodlife on December 31, 2018, 02:37:29 PM
Solo stash increase - $21,978
Mortgage payoff - $13,428
Total increase - $35,406

Given the recent market falls I'm happy with that.

Savings rate currently sitting at around 51% of after tax pay. (Plus employer super contributions).

2019 is the year we combine finances, add a baby and downshift, so next year's update will be very different.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: happy on January 01, 2019, 02:45:23 AM
Its difficult to estimate my net worth since the value of my PPOR is difficult to estimate and the housing market has cooled in the last 3 months. Best case scenario I'm line ball. Worse case scenario I'm down 150k.

I'm not bothered by this as I am midway through subdivision and renovation - probably at the lowest point of outgoings or close to it right now. Once the subdivision is achieved through the value will go up substantially.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on January 01, 2019, 04:35:09 AM
Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: pancakes on January 01, 2019, 04:38:58 AM

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Etlav5 on January 01, 2019, 06:55:07 AM
NW 2015: - 46 k
NW 2016: - 18 k
NW 2017: 3 k (!)
NW 2018: 23 k

Saving rate around 40%
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: anotherAlias on January 01, 2019, 07:46:17 AM
Despite the market working against me and some $$ medical expenses this year, I still had a positive trend.

This is liquid net worth:
2011-   $71,905.11   
2012- $139,042.72   
2013- $217,250.05   
2014- $284,626.51   
2015- $332,514.20   
2016- $431,718.92   
2017- $586,059.24   
2018- $591,792.31
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Goldy on January 01, 2019, 08:44:25 AM

Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319 
Dec 2017 - $1,617,661


Dec 2018 - $1,642,265  Increase of $24k

Losing over 200k from October to Jan 1 sucked but nothing wrong with a positive year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 01, 2019, 08:53:38 AM
                12/31/2017    12/31/2018    %Change
Invested      1,514,360    1,486,906         - 1.8%
Cash                 63,899        48,363
Subtotal       1,578,259    1,535,169         - 2.7%

Home Equity    386,639       408,217

Grand Total   1,964,898    1,943,386         - 1.1%


This was my last big year of adding to my investments, I'm now officially semi-retired.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Half Stached on January 01, 2019, 09:43:26 AM
We scraped out a small gain on the year; our investments were down 5.6% and our estimated home value dropped by more than that.

2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

If I exclude our home, the worth of our investments increased by 96K (from 733K to 829K) by investing 140K.

Even though I had hoped this year would be more lucrative, retirement is in 3 months regardless - my last day is March 5!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 01, 2019, 01:01:59 PM
Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year. --> We exceeded this goal massively, thanks to a crazy year in the market!

Well, final numbers are in and it's been a hell of a year! Current NW including home equity is $628,029.19, which represents an increase of +$200,082 (!!) over our Dec 2016 NW of $427,947.20. This is higher than our combined salaries for the year!

Good news for 2018
- Annual household income has increased from $183,570 to approx. $190,640 (+$7,070) due to year-end increases for both of us. This doesn't include any bonus income we may see this year.
- Much of our 2018 travel was paid for already in 2017 (big trip to visit in-laws planned for Feb 2018, personal trip to Iceland for May 2018). Hopefully we can curb our travel spending a bit this year, as it's consistently about 15-20% of what we spend annually. This is ok, as it aligns with our priorities, but it's still a huge pile of money.

2018 Goals
I have no idea where the market is heading, so I'm hesitant to make a NW goal. But I will set a few goals for things which I actually do have some control over....
- Reduce household spending below what we spent in 2017 ($50,347.57) & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year. My husband's car loan is finished in June, so this should free up some cash, and there's always room for additional optimization in other areas as well.
- Personal sub-goal, inspired by Mrs. Frugalwoods: No clothing shopping for me in 2018. I don't have a clothing "problem" per-se, just want to re-program myself and really think hard about all of my purchases and make sure they align with my priorities.

2018 Numbers are in and current NW including home equity is $718,610, which represents an increase of +$90,581 over our Dec 2017 NW of $628,029. I'm fairly certain it's less than we invested in the market this year but I'll take it.

Good news for 2019
- Annual household income has increased from $190,640 to ~$203k (ish) due to year-end increases for both of us. Most of this was a big pay raise for me (9.5%!!) to bring me up to the level of the rest of my team. This doesn't include any bonus income we may see this year.
- Husband's car is now paid off, so now the mortgage is our only debt.
- We spent just about $52.5k in 2018, but $7.5k of that was to install AC and $2.4k was for dental surgery (which failed, but I digress...). So the good news here is that our "normal" spending was only ~$42.6k. That's a new low for us!
- No big house projects or international travel is currently planned for this year. We may still end up traveling but fingers crossed we won't be dropping thousands on home improvements...

2019 Goals
- Control household spending & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year.
- (Somewhat arbitrary) NW goal: $850k by the end of 2019. Cheers!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on January 01, 2019, 03:10:27 PM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
12/31/2018: -$202 So close!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Chrissy on January 01, 2019, 04:12:43 PM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k

Not too shabby considering our investments are down and Husband was out of work for 6 weeks this year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Zaga on January 01, 2019, 04:31:41 PM
Net worth increased by less than $3K this year.  Combination of saving less due to job changes and the market going down.  I can live with it, we have ramped up the savings again for 2019!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: DreamFIRE on January 01, 2019, 04:48:12 PM
I don't ever calculate net worth, just my stash which I will be using to drawdown on using the 4% rule, which doesn't include my home's value.  And on that note, despite the pullback in the market, my stash is a little over 100% of what it needs to be to meet my FIRE target, which is a fairly FAT fire for me, which is more than 2 1/2 times my barebones budget.

Edit:  Looks like my net stash growth for 2018 is only about 1 1/2 years of barebones spending - not too good considering I saved $70K from my job alone.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: FIPurpose on January 01, 2019, 04:50:40 PM
I also had almost no change. +1k overall for the year. However we didn't work for about 5 of those months. So not too bad, probably could have eeked out a 10-20k gain if we were working then, but the market was over valued anyway. 2019 I think will be a good year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on January 01, 2019, 05:36:41 PM
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)

I saved ~$60k, and the rest is market losses.
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: Bracken_Joy on January 02, 2019, 09:32:38 AM
1/1/15- $0
11/20/15- $29,800

We haven't been tracking long, but January marked $0 net worth, which is a convenient starting point. (We didn't combine finances fully until this year, so before that, numbers are unclear).

Approximate 2016 end of year numbers! Needless to say.... a big jump this year. +$78,517 in 2016. Combined earnings will probably come out to ~$105k for the year. Combination of market gains, home purchase that worked out nicely (immediately valued higher than we paid), and a generous gift from my grandmother to help pay some student loans.

12/18/2016: $108,317
11/20/15: $29,800
1/1/15: $0
(2014, -$20k, although that's pretty much a total guess)

(2014, -$20k, although that's pretty much a total guess)
1/1/15: $0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061

+$70,744 in 2017. Not *quite* as big a jump as last year, but considering crazy high vet and medical spending (over $11k), and me not working at all for ~4 months of it (and part time most of when I was working), that's pretty damn good! Earnings will probably be right around the same as last year, somewhere around $110k total for the two of us.

ETA: better than I expected, because I realized I dropped car value off my net worth tracking this year. So it may have been a +$90k! I would have to sit down with all the numbers to double check, but I'm pretty sure that's right.

(2014, -$20k, although that's pretty much a total guess)
1/1/15: ~$0
11/20/15: $29,800
12/18/2016: $108,317
12/2/2017: $179,061
1/1/18: $239,972

The jump from when I last did this thread was +$60,911, but from EOY2017 to EOY2018 was $54,064 according to my other tracking. Really not bad considering I had a good $37k of OOP medical expenses this year. We also prepped to sell, then sold, our house.

That being said, our year on year increases in NW are dropping even as our household income rises, so we really need to step up our frugal game again!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: zygote on January 02, 2019, 10:30:55 AM
This was the first year I started tracking. 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

That's an increase of $26k despite a negative rate of return in my investments. I'm pretty pleased with that.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on January 02, 2019, 11:45:04 AM
358k -> 422k
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MrDelane on January 02, 2019, 12:03:09 PM
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache on January 02, 2019, 12:46:47 PM
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830

2018 - $317,638

Up about 30K from last year, which is well less than I saved, but still positive, so I'll take it.  Plus, I own a lot more shares of index funds than this time last year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 02, 2019, 02:44:59 PM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)
Dec 2018: $255, 892.49    (+ $49,542.26)

NW was up to $276k in November before the market correction. Got some good tax loss harvesting out of it, but I didn't meet my goal of $300k by the end of the year. Goal for EOY 2019 is $325k.     
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on January 02, 2019, 03:53:50 PM
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: I'm a red panda on January 02, 2019, 05:03:45 PM
We are not up much over the year...
Lost like $150k the last two months :(. So that kind of hurt the yearly goal.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on January 02, 2019, 06:45:41 PM
2014: $425k
2015: $627k
2016: $830k
2017: $1,167k
2018: $1,325k

This year's numbers are skewed up by a one-time compensation vesting in January and down by the market's lackluster performance the rest of the year. I first reached that final number in mid-June, so made no progress on paper since that time despite throwing all savings into investments. Still not a bad year, considering.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: WhiteTrashCash on January 02, 2019, 06:52:12 PM
Totals do not include house equity.

January 2017: $122,747.70
January 2018: $166,175.31

Net worth increase: $43,427.61

It had been much higher, but we took a massive beating from Trump's trade wars. Hope 2019 is more profitable for us.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MrDelane on January 02, 2019, 08:58:20 PM
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.
You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: WhiteTrashCash on January 02, 2019, 09:08:22 PM
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.
You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.

Yeah, folks who started investing this year were in for a world of hurt, but in the long run it always trends upward. Lots and lots of millionaires owe their fortune to the 2008 Great Recession.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Bird In Hand on January 03, 2019, 12:50:56 PM
We're down around $5,000 NW* since Jan 1.  That's after contributing ~$50k to to our retirement accounts and reducing our mortgage principal by ~$30k.  So +/- $85k market losses year to date.

It seems I miscalculated above.  We finished down a little more than $44k in 2018 (not including home equity).  Down ~$134k since late September.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: peeps_be_peeping on January 03, 2019, 01:34:40 PM
My NW increased $43,310 to $411,333 in 2018, or 11.77%. I put $61,621 into investments and $5,603 into my mortgage principal.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on January 03, 2019, 04:25:02 PM
1/1/2017 : $649k
1/1/2018 : $857k
1/1/2019 : $787k

Quit work at the end of January. My expenses for the first year of retirement have been right around what I expected. Even with the market decline, everything is good.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: brooklynmoney on January 03, 2019, 08:53:32 PM
Haven’t the stomach to look yet. My guess is I saved about 150k and lost about equal or more ha. Cest la vie!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 03, 2019, 10:31:14 PM
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

<nice chart showing what contributed to our net worth gains each year - real estate appreciation was a big factor>

Not expecting those real estate gains to continue...

It seems like I revisit this thread every two years. I have added 2017 and 2018 as well as gone back in time to add some historical numbers.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019(est): aiming for $170K increase

Despite the lower increase in 2018 it was a good year for us. We sold the house that had gained so much and bought a place cost $300K less. Most of that difference was invested a few months before the market dipped - unfortunate, but not something to lose sleep over. Real estate used to account for about 52% of our net worth but moving and investing the difference puts it at 42% which is still high but much better.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: BobTheBuilder on January 04, 2019, 01:44:35 AM
4.2k Euro increase to almost 0 net worth, which is just shy of my goal for 2018. But hey, stock market.

2019 will bring more income, and reduced interest as the remaining credit is paid down.
Aim for 2019: +14k if my investments don't gain anything.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on January 04, 2019, 12:16:17 PM
* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.

And a big year it was. We managed to pull off a 63% savings rate this year. Huzzah.

* Dec 2017 - 42% of target stash

2018 is a difficult year to calculate because our present to ourselves came in the form of a land purchase, which takes a pot of money out of our stash but not out of our net worth. With the exception of the land purchase, we saved 61% this year, so we're happy with that. As we get closer to FIRE, I may revisit our "target stash" number, but I'm not ready to move the goal posts yet. 

* Dec 2018 - 37% of target stash
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: RWD on January 05, 2019, 10:21:36 AM
Looks like an increase of about $64k last year for us. Moving in the right direction, but 2017 was 2.5x better.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Dr Kidstache on January 05, 2019, 10:29:53 AM
1/5/18: $397,293.73
1/5/19: $447,872.21
NW increase of $50,578.48 (12.7%). Invested about twice that amount during the year. Meh.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: seattlecyclone on January 06, 2019, 08:20:23 AM
Down about 3% despite investing half our pay. So it goes with the market sometimes.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Zikoris on January 06, 2019, 03:33:30 PM
We increased by $38,447, which was about a 12% increase. Our income was about 77K for the year and my partner quit his job halfway in to switch to full time freelancing, so that worked out well.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: AFrugalGuy on January 06, 2019, 04:02:14 PM
As a couple:

12/31/2017: $316,696.77
12/31/2018: $395,279.41

An increase of $78,542.64 (24.81%). The market downturn deflated this somewhat (we had hoped to be over $400k), but we're happy with the end results. Targeting $500k by 12/31/2019.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: phildonnia on January 07, 2019, 02:56:24 PM
Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.
@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

Indeed.  With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: sol on January 07, 2019, 04:05:17 PM
With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year.

Don't think of it as a single sucky year in which you lost 6.51%.  Instead, think of it as a three year period in which you averaged a positive 7.52% per year.  See, you're doing great!

* all figures are inflation adjusted, including dividends, based on the web interface at http://www.moneychimp.com/features/market_cagr.htm

edit:  It's not quite as good as the preceding 3 year period, which averaged over 14%, or the three year period before that, which averaged 8.73%, but it's better than the three year period which included the great recession, which averaged -4.06%.   But when you put it all together, the total returns since 2007 that include the great recession and the current dip still combine for a CAGR of +5.14% over the past 12 years, despite the economic collapse of the United States in 2008/09 and the recent 20% dip.  That's pretty good!  In fact, it's more than enough to fully fund a 4% SWR with money left over...
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Steveray7071 on January 08, 2019, 01:38:21 PM
Net worth increase of 79K for 2018! 3rd best year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 09, 2019, 02:42:36 AM
I made a bazillion dollars selling Acai berries
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Cool Friend on January 09, 2019, 08:07:29 AM
Just want to say 2018 was the first year since graduating college (over 10 years ago) that my net worth has been in the black.  :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: mbk on January 09, 2019, 10:31:17 AM
This year my NW had a gain of around 24k but my liquid assets went down by 24k. This is due to cashing out 457b at the height of market to buy a second house. I partly replenished the retirement accounts over the subsequent months and paid off some debts. The good thing is I took in room mates in the second house and my housing costs went down significantly.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Serendip on January 09, 2019, 04:02:34 PM
My first year saving with intention vs. frittering money away or paying off debt.
Wish I'd started this sooner!

Dec 18/17    $18,146
Dec 30/18   $46,250

Increase of $28,104

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 10, 2019, 08:23:28 PM
I found MMM this year around January, but I lost some of my data when my computer died... so the first time I have saved is when I started my journal on here which was mid April.

15 April - 164900
31 December - 232200  (+67300) approximate increase over 7 and a half months

Best guess is around 75000 increase for the year!  (This does not include the equity in my condo.)

So I got my actual end of year numbers, and I managed to figure out how to look into my non-mustachian past and here is what I found:

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)

My actual gain for the year was MUCH higher than I thought.  I can't wait to see what happens this next year!

January 2019          356500        +124500

According to my spreadsheet I saved 144k with my condo sale (60k) included, but as you can see the market ate into the savings rather than boosting them this year.  Still, a very good improvement on my previous year's savings that was boosted by the market.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 11, 2019, 07:20:15 PM
Ok, it's time to change the title. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: jengod on January 12, 2019, 10:08:38 PM
I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: jengod on January 12, 2019, 10:08:16 PM
I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: ASquared on January 13, 2019, 04:52:08 PM
2018 - 838K
2017 - 763K
2016 - 642K
2015 - 553K
2014 - 502K
2013 - 405K
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: I'm a red panda on January 13, 2019, 06:45:05 PM
Ok, it's time to change the title.

Or start a new thread?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 14, 2019, 01:15:15 AM
Ok, it's time to change the title.

Or start a new thread?

Why do people hate long threads?  They started a new Overheard at Work.  Does the page number list take up too much of your data quota or what?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on January 14, 2019, 02:11:50 AM
Please start a new thread. I won't be offended...
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 14, 2019, 02:32:44 AM
Please start a new thread. I won't be offended...

Are you filibustering your own thread?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on January 14, 2019, 04:03:39 AM
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on January 14, 2019, 06:09:19 AM
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 14, 2019, 08:02:31 AM
Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: RWD on January 14, 2019, 08:11:11 AM
Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.

I graphed the 250k-500k participants when I graduated that thread back in late 2017.
https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-250-to-500k!/msg1728701/#msg1728701
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: partgypsy on January 14, 2019, 10:08:48 AM
Have not calculated net worth numbers since 2015! This can be an example about divorce.

In 2018 when divorce became official, ex was paid 104.5 out of retirement. Over the year retirement fund went from 223K to 121K at end of year (-102K).
I will also be splitting pension with ex once get into retirement. It will not be a 50% reduction because I will have worked more years outside the marriage by then. 
house value according to Zillow increased to 294 to 344K (+50K).
Mortgage went from 56.2 to 47.5K (+8.5K)
Car loan went from 7.5K to around 4K or so (+3K) 
(small) efund went from basically 0 to around 1.5K
so 2017=453
2018 = 413
retirement fund is 54% of 2017. overall net worth 91% of 2017.

Small potatoes compared to some and now over-weighed in house. At the same time I am very glad for small improvements in picture, and that I was able to keep house.  My monthly average spending has been the lowest since around 2012, 2010 but don't feel deprived at all. I was also fortunate in that while I divorced this year, our date of separation was April 2016. He and the court agreed that the value of joint property at that date should be used for division of assets.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: DS on January 14, 2019, 11:07:39 AM
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 15, 2019, 12:53:00 AM
Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.

Just PM me your password and I'll change it each year.

Or call it "dragoncar go f yourself (i.e. the 'present' you give yourself)"
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SnackDog on January 15, 2019, 08:37:15 AM
Looks like around 2% increase for 2018 with variances all over the place: spending way up, investments down, forex down, equity up, savings slightly down, pension lump sum down (due to interest rate increases), company stock down.  If this keeps up for the next 5-10 years it's gonna be rough!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: rlnine on January 15, 2019, 08:53:43 PM
February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: FoundPeace on January 17, 2019, 02:08:32 PM
2016- $42
2017- $82k
2018- $186k
Pretty good haul this year.
I estimate 2019 at $250k.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: philli14 on January 17, 2019, 02:48:12 PM
Jan 1 2018: $21,789
Jan 1 2019:  $67,786

Great gift! Excited to see 2020.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: onlykelsey on January 17, 2019, 02:58:02 PM
Coming back to the forums after nearly two years away...

January 1, 2017: 511K
December 31, 2017: 665K (+154K)

About 120K was saved/invested, the rest was gains/increase in home equity.  Unfortunately I am not on pace to be anywhere near that this year.
December 31, 2018: 769K (+104K).  Pretty brutal since I invested more than that and paid down about 8K of principal on my place.  Oh well.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on January 17, 2019, 07:52:42 PM
February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.

Bravo!   That's a major life change.   Once you start seriously cutting down that principal the negative interest starts to lose its choke hold on you.   Your progress will accelerate!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: meatgrinder on January 18, 2019, 09:45:55 AM
2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on January 20, 2019, 01:24:53 PM
2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!

You might be back up by $150k already judging by the market performance of the last couple of weeks.

Volatility is back in vogue it seems.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on January 21, 2019, 10:24:34 PM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: sisto on January 22, 2019, 11:06:16 AM
I don't think I updated here yet. 2018 was a rough year due to being on partial disability for all of it except for 6 weeks, but here are the numbers every December from when I started tracking it in MINT:

December 2015     $641,910.49
December 2016     $754,226.93
December 2017     $982,960.75
December 2018     $1,051,311.55

My highest point was September 2018.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: midwesterner1982 on February 02, 2019, 03:46:09 AM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000

Big goal for 2018 was $500k which we actually hit on August 31st which is great! Dropped back below at the end but we've since crossed over $500k again.  Most of the assets are in shares + (5) rental properties.  Lot of changes in 2019 as we'll be relocating back to U.S. after being expats past few years.  Excited for 2019 and wish everyone a profitable year!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: iris lily on February 03, 2019, 06:55:03 AM
We are down $130,000 but that is perfectly fine with me. We are old, retired, and spending the stash.

Our rate of burn-thru-stash will slow this year as we turn on one source of income.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SpareChange on February 05, 2019, 12:26:06 PM
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: tarheeldan on February 05, 2019, 12:30:28 PM
EOY     Net Worth     Increase
2010    -$18,959.83   
2011    -$6,189.32   $12,770.51
2012    $1,104.06    $7,293.38
2013    $19,927.35   $18,823.29
2014    $45,996.21   $26,068.86
2015    $89,065.76   $43,069.55
2016    $135,349.15   $46,283.39
2017    $214,652.87   $79,303.72
2018    $265,279.90   $50,627.03
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 09, 2019, 12:08:45 PM
   Retirement           Date          Difference
     $51,225       12/31/05   
     $80,038       12/31/06   $28,813
   $106,744       12/31/07   $26,706
   $103,124       12/31/08   -$3,620
   $162,173       12/31/09   $59,049
   $218,666       12/31/10   $56,494
   $249,987       12/31/11   $31,321
   $320,337       12/31/12   $70,349
   $435,650       12/31/13   $115,313
   $518,275       12/31/14   $82,626
   $603,958       12/31/15   $85,683
   $746,482       12/31/16   $142,524
   $979,476           12/31/17   $232,994
$1,148,530           12/04/18       $169,054
$1,395,539           12/06/19       $247,009


This year has been a grind...but the best year yet for savings and growth. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: itchyfeet on December 10, 2019, 01:02:07 PM
Barring a meltdown in the next couple of weeks, 2019 has been by far the best financial year of my life.

12 month returns of the Australian stock market index fund is 25.9%. Incredible!!!!

Add to that one of my best saving years, and the change in my net worth is embarrassingly impressive,
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: use2betrix on December 10, 2019, 06:26:15 PM
So far we have gone from $294k to $535k in 2019. This only includes savings and investments (no property or anything). The market helped, but I also just worked my ass off and saved a ton.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 16, 2019, 06:08:36 PM
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)

Slacked off a bit this year.... but I downshifted a bit on the job front, going from FT job + freelance work to just a PT job + freelance work, and I'm SO much happier now. Hitting FIRE is no longer my number one goal in life.

Also, the market wasn't amazing like in previous years, so I guess I shouldn't expect the same increase we've had in previous years.

Overall, I'm not completely thrilled, but I'll take it!

Not sure why I've been tracking as of December 1st in this thread, but let's keep it up...

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)

Not too shabby. Still only working PT at my "day job" and making up the rest through freelance writing.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on December 16, 2019, 09:08:49 PM

12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stock returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.
12/19 $1.79 still smoke breaking. Bought a new house, paid cash for college again, took lots more YOLO trips, and was surprised things actually went up with the net worth. Thank you markets. I am a bit listless with the SAHM routine. I may go back to work in March or April. Or not...

Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: jojoguy on December 17, 2019, 05:05:52 AM
12-25-18 = $68,000 roughly(I wasn`t tracking our 401ks exactly at this time)
12-17-19 = $163,011.39 (Great year! We maxed out our 401ks, maxed our IRAs, invested $16,000 into our taxable accounts, earned over $2,400 on mainly our travel credit card bonuses, and have an emergency fund in a high-yield savings account)

Goals for 2020 is :
Maxing our 401ks. 6% employer match.
Maxing our IRAs
Maxing out our HSA account. My employer adds 10% into our HSA when we match!
Keep earning rewards on CCs and/or checking accounts.
Keep educating ourselves on finding ways to passively make income to save.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Travis on December 17, 2019, 05:47:59 AM
*clears throat* Ahem. Topic title updated to 2018.

These years seem to be ticking over faster and faster :/

This year has been pretty ordinary for me. Can't complain, still up, but nothing like the last 5 years. End of the Sydney property boom and a falling stockmarket will do that.

No drama, in 20 years time it'll all be noise.

@marty998 about time to change the date again? 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 17, 2019, 09:21:11 AM
Up $171K for the year, but we've been lazy.    Only finished renovating one house this year and have been sluggish on the other.

We'll get a bump next year when we finish renovating one house and sell it, but we'll get a smaller drop when we finish renovating another house and give it away to charity.

I'm happy with where we are.   FIRED and wealthy. :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 17, 2019, 12:52:33 PM
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 (the value of which is not going to change drastically)

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/2015
12/20/16: about $1,150,000 (excluding house)
12/30/17: about $1,333,000 (excluding house)
       Using the actual numbers - up about $184K in 2017.
1/2/19: 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.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: max9505672 on December 17, 2019, 02:45:51 PM
December 2017 : 113,230$     -
December 2018 : 144,241$     +31,011$
December 2019 : 237,374$     +93,133$
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 19, 2019, 01:14:13 AM
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.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on December 20, 2019, 04:41:48 PM
Hola mujeres y hombres, Marty998 is taking an unbelievably unmustachian holiday around the Galapogas and Peru. It may have put a small ding in my NW, but this is what a NW is for after all.

Topic thread title updated.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: G-dog on December 20, 2019, 05:00:57 PM
Hola mujeres y hombres, Marty998 is taking an unbelievably unmustachian holiday around the Galapogas and Peru. It may have put a small ding in my NW, but this is what a NW is for after all.

Topic thread title updated.

That sounds like an excellent trip and use of resources!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: mancityfan on December 21, 2019, 04:44:37 AM
Dec 2014 - $1,351,000
Dec 2015 - $1,340,000
Dec 2016 - $1,443,000
Dec 2017 - $1,638,000
Dec 2018 - $1,695,000
Dec 2019 - $1,945,000
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: chasesfish on December 21, 2019, 04:56:04 AM
Sitting at a $405,000 increase from December 31st 2018 to December 21st 2019.  Amazing since we've started drawing down from our portfolio in April
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: PhilB on December 21, 2019, 09:59:40 AM
I just checked my numbers and was gobsmacked to find myself 20% up on this time last year.  Given I FIRE'd in late 2018 and was expecting to be burning through some capital that feels really weird.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on December 21, 2019, 10:07:01 AM
I just checked my numbers and was gobsmacked to find myself 20% up on this time last year.  Given I FIRE'd in late 2018 and was expecting to be burning through some capital that feels really weird.

Considering the S&P500 is up something like 26%, if you spent 4% of your invested assets it would be easy to still be up 20%.

Stocks only go up
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 21, 2019, 03:01:35 PM
Dec 13.. Approx $1.2M... first FIRE
Dec 16.. Approx $1.6M... Second FIRE
Dec 18.. Approx $2.0M
Dec 19............. $2.295M

Above numbers do not count pensions ($525k in theory) or paid off house $400k.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Morning Glory on December 21, 2019, 03:14:12 PM
My net worth increased by 106k, which is more than my household income for the year. (Started at 339 and currently about 445).  I haven't done the exact numbers yet but we spent approximately 40k and saved about 50k.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Zoot on December 22, 2019, 05:02:31 AM
Dec 2014 - $1,351,000
Dec 2015 - $1,340,000
Dec 2016 - $1,443,000
Dec 2017 - $1,638,000
Dec 2018 - $1,695,000
Dec 2019 - $1,945,000

I was inspired by the format of this post to go back and put together similar numbers.  Here's the result:

Month    Total NW     Liquid NW
Dec-14    $666K       $509K
Dec-15    $761K       $544K
Dec-16    $878K       $592K
Dec-17    $1,058K    $796K
Dec-18    $1,099K    $813K
Dec-19    $1,413K    $1,100K

Hard to believe, but there it is in my spreadsheet.  Wow.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: norajean on December 22, 2019, 05:48:37 AM
Personal Capital says net worth since Jan 1 is up a bit more than five times pretax wages.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: CarolinaGirl on December 22, 2019, 06:10:41 AM
I’m up 177k since Jan 1, 2018!  Just unbelievable.....
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on December 22, 2019, 06:29:57 AM
December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700
December 2016:  $153,950 
December 2017:  $219,525 

December 2018:  $272,446  Not quite as much as the year before.  Thus far 2019 has been much better for the net worth, so I'm excited to update that at the end of the month.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Fishing4FI on December 23, 2019, 09:40:35 AM
I love this thread and I love all you people.  You all keep me motivated and assurance that we are on the right track.. Just keep doing what we're doing and it's just a matter of time..

Starting tracking NW August 2018

Aug 18: $27K
Dec 18: $64K
Dec 19: $168K

Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: PlanetDee on December 24, 2019, 07:29:56 AM
Total net worth at the end of the year shows $361k - Personal Capital shows we increased $240k this year (sold a property early in the year and made sure that all the accounts were connected).

So excited to see the progress!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Fru-Gal on December 24, 2019, 07:48:21 AM
We're up by over $150k this year!!! Mind-blowing. Just a few days ago passed $500k investments. Also hit $1 million NW this year. Truly grateful for MMM and this community being the catalyst. As we all know, these behaviors aren't discussed in polite company, plus stealth wealth is important especially as you go higher in NW or work in a field where people are subsisting on much less (some while racking up debt/leasing new cars/clubbing). People can be jealous bitches and you will lose some friendships if your success is obvious (or even if not but you just seem suspiciously content).

While it hasn't been easy, I first fixed my mindset. Then I accidentally landed the highest-paying gig of my life after DECADES of subsistence on low income self-employment. IMHO, MMM's emphasis on getting a better-paying job is critical. Like high savings rates, it's one of those things that people think is impossible for them to achieve. It's not. The money is out there, at least for now in a good global economy. I don't deceive myself that it's all about me -- I've been through recessions and know the experience of calling every client I have and learning they no longer have budget and have laid everyone off. I've also worked a ton of manual labor. This is a good economy. Enjoy this motherfucker!

Low expenses + no debt + high savings rate + high income + stock market = FI!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: StarBright on December 24, 2019, 08:17:00 AM
My net worth increased by 106k, which is more than my household income for the year. (Started at 339 and currently about 445).  I haven't done the exact numbers yet but we spent approximately 40k and saved about 50k.

Our numbers are similar! It is a really weird feeling for our increase to be approaching our household annual income! Weird and amazing and a reminder of how capital begets capital.

To be fair, last year we were essentially flat, so it all evens out in the end :)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: ender on December 24, 2019, 08:46:16 AM
The nice part about the December 2018 market drop is it makes the 2019 numbers look much better than they otherwise would have :-)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: DarkandStormy on December 24, 2019, 10:40:58 AM
My "present" this year will be in the neighborhood of $130k!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: achvfi on December 24, 2019, 11:26:55 AM
Oh I like this thread. Lets see... 2019 looks to be a very good year if it continues this way. I am not sure if I am calculating wrong, numbers look quite big.

Net worth increase of 217K
Liquid investments increase of 137K

Some investments we made in real estate in last 3 years turned out to be big drivers of net worth growth this year.

That is some nice present we gave to ourselves this year.

Merry Christmas and happy new year y'all
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: TempusFugit on December 24, 2019, 01:04:20 PM
+245K in CY 2019

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

Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: MissNancyPryor on December 24, 2019, 01:29:13 PM
I am up over $650,000 since this date last year and the butt kicking Christmas Eve of 2018 dealt.  I have, ahem, recovered nicely to say the least.

Gleefully, $250,000+ of that has happened just since I officially FIRED at the beginning of September 2019.  That is a gob-smack and represents several years of FIRED life.  That snapshot NW from my FIRE date will be in my head if we have a pullback and I will remember that it was plenty

Now I am in the plenty+++ days and will strive to do good things with my ridiculous excess. 

Thank God I FIRED.     
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: happy on December 24, 2019, 02:40:09 PM
Hola mujeres y hombres, Marty998 is taking an unbelievably unmustachian holiday around the Galapogas and Peru. It may have put a small ding in my NW, but this is what a NW is for after all.

Topic thread title updated.
Have a great time Marty998! The Galapagos are on my bucket list (although if I never get there it won't matter too much) - so I'm jealous!.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: seattlecyclone on December 24, 2019, 07:32:25 PM
I FIREd in August and have seen a $120k increase since then. Up more than $400k on the year, though of course that's counting from a pretty low point in the year-end correction. That same correction caused our net worth to go down a couple thousand dollars in 2018 despite working all year.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 24, 2019, 10:19:21 PM
1/1/2017 : $649k
1/1/2018 : $857k
1/1/2019 : $787k

Quit work at the end of January. My expenses for the first year of retirement have been right around what I expected. Even with the market decline, everything is good.

Everyone is posting before the end of the year! This means the top must be in. So, before the 15% drop that will happen on December 27, here is where I am at:

12/24/2019 : $903k
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Exflyboy on December 24, 2019, 11:42:34 PM
We're up by over $150k this year!!! Mind-blowing. Just a few days ago passed $500k investments. Also hit $1 million NW this year. Truly grateful for MMM and this community being the catalyst. As we all know, these behaviors aren't discussed in polite company, plus stealth wealth is important especially as you go higher in NW or work in a field where people are subsisting on much less (some while racking up debt/leasing new cars/clubbing). People can be jealous bitches and you will lose some friendships if your success is obvious (or even if not but you just seem suspiciously content).

While it hasn't been easy, I first fixed my mindset. Then I accidentally landed the highest-paying gig of my life after DECADES of subsistence on low income self-employment. IMHO, MMM's emphasis on getting a better-paying job is critical. Like high savings rates, it's one of those things that people think is impossible for them to achieve. It's not. The money is out there, at least for now in a good global economy. I don't deceive myself that it's all about me -- I've been through recessions and know the experience of calling every client I have and learning they no longer have budget and have laid everyone off. I've also worked a ton of manual labor. This is a good economy. Enjoy this motherfucker!

Low expenses + no debt + high savings rate + high income + stock market = FI!

Nice and when you're FI, recessions are no longer a problem, as in you don't need to find a job to keep a roof over your head.

Like you said, getting on the path is 50% attitude and I too am so grateful that I got my head on straight to break out of the matrix of spending everything I earn.. Just because everyone else does!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: BearBoy0222 on December 25, 2019, 01:38:34 PM
Only started tracking NW 3rd quarter this year, but rough numbers below:

September 2019= ~$390k
December 2019= ~$419k

Increase of about ~$29k in the last quarter of 2019.  Includes real estate.

Excited to keep tracking NW throughout next year and be able to provide a progress for 1 year!
Title: Re: Net worth increase 2015 (i.e. the 'present' you give yourself)
Post by: 11ducks on December 25, 2019, 03:59:40 PM

My net worth

2013  -$33,600 owed (student loans)
2014  -$21,000 owed
2015 -$2,242 owed  - so close to free!!!!

2016 = + $5000 net worth. Finally made it into the positives!
2017 = + $35000 net worth!   (+retirement account of $90k = total NW of $125,000)

2018 = $82k net worth (+ $110k retirement, Total NW $192k). Increase of $67k!


Picked up a second job this year, and was able to smash my goals! Hoping to do the same next year.

Goal for 2019 = hit a quarter of a million,  by adding $60,000 to my net worth.

Man, what a year! Secured my dream job, worked a lot but smashed my goals!


2019 = $132.7k liquid net worth (+ $148k retirement, Total NW $281k). Increase of $88.7k!


2020 goals. modest goals this year. $55k in 2020, and a lot of career and health development :)
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: marty998 on December 25, 2019, 07:04:41 PM
Hola mujeres y hombres, Marty998 is taking an unbelievably unmustachian holiday around the Galapogas and Peru. It may have put a small ding in my NW, but this is what a NW is for after all.

Topic thread title updated.
Have a great time Marty998! The Galapagos are on my bucket list (although if I never get there it won't matter too much) - so I'm jealous!.

Definitely having a good time! You’ll enjoy the Galapogas, lots of snorkelling, sea lions, and snorkelling with sea lions.

Had a cracking pork belly + a rum and coke at dinner just now in Ollantaytambo / Sacred Valley, Peru, and in 12 hours time will be on KM82 at the start of the Inca Trail!

Feliz Navidad everyone!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: bigchrisb on December 26, 2019, 01:13:40 AM
Awesome memories from both the Galapagos and the Inca trail. Although the descent on day three didn't feel awesome on the knees at the time!  Fi enables these kind of trips with no regrets.

On finances, 2019 has been a good year for my portfolio, up approx 600k, albeit off a low base with the dip at end 2018.

The continuing good equity returns gives a sense of financial invincibility, but trying to stay grounded.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Nate R on December 26, 2019, 07:00:23 AM
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   -- Increase of 74K or 30%. Not bad at all, despite total debt only changing by a few hundred dollars.

Changes this year: We did take out a HELOC in January to fun some home repairs. Plans got altered quite a bit through the year, though. Finished a degree that most of my work paid for, and got the promotion I was hoping for last year. Meanwhile, I found my marriage to be in DEEP trouble. Took a break from other things in life to really work on that and myself for a while this year.  Things were up and down quite a bit this year, but ending the year very well, that way.
Projects on the house got spread out to be over several years instead of packing more into this year. Got the patio replaced, some tough backyard drainage work done, kitchen refreshed, (new cabinets and counters, dishwasher and some needed electrical updates got done.)
Have a large international trip that we're leaving for tomorrow.

2020:
Off-grid cabin build groundwork was laid this year, but actual construction delayed for another year, and savings for it much delayed as well. It will be simpler and cheaper than expected, and that's OK. :-) Hoping to start that in Fall of 2020.
Home improvements continue: Garage has now rotted enough that I'm forced to do something soon, so substantial repairs on that will commence early next year. Also doing siding on one side of the house, the rotting siding pieces are falling off, and paint chunks exploding off as well. The other sides of the house exterior will likely get painted.

Excited to see that our NW is up over 10X in 6 years, and the retirement stash has more than doubled in the last 3 years!



Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 26, 2019, 07:28:47 AM
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.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: BrokenBiscuits on December 26, 2019, 09:32:29 AM
Dec 2013 NW 68k
Dec 2014 NW 82.5k (14.5k / 21.32%)
Dec 2015 NW 110k   (27.5k / 33.33%)
Dec 2016 NW 142k  (32k / 29.09%)
Dec 2017 NW 165k  (23k/ 16.19%)
Dec 2018 NW 168k.  (3k/ 1.81%)
Dec 2019 NW 190k.   ( 22k/ 13.09%)

Having a little behind me has allowed me to spend 6 months off work with my new born daughter which is pretty awesome! Will be a struggle to get back to work when the times up though!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: DustyD on December 28, 2019, 10:42:45 AM
Dec 2015: $272k
Dec 2016: $421k
Dec 2017: $632k
Dec 2018: $739k
Dec 2019: $1,113k

I remember back when I first started, thinking what a shame it was that I had missed the big run-up 2013, and wondering if I should just wait for prices to drop back down. Glad that I didn't wait too long, and now wish I had taken on more risk along the way. I'm excited to see what the new year/decade will bring, and grateful to feel more financially secure than ever.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: midwesterner1982 on December 28, 2019, 12:41:47 PM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000
Dec. '19:  $651,000

Our best year yet.  Markets for the win.  And savings.  Looking at others' timelines, once they hit $650k most reached $1M within 3 years.  Granted the last few years have seen a mostly booming stock market but even conservatively I should have retirement savings in the bag by my 42nd birthday.  Great feeling.  Awesome to see others on here are prospering as well.  Note to others getting started that I made lots of mistakes, moderate income, and didn't get serious until my early 30's.  You can do it!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: jedsbud on December 29, 2019, 06:11:10 PM
Dec-12   $294,189    
Dec-13   $353,120          $58,931
Dec-14   $289,431        ($63,689)
Dec-15   $485,808        $196,377
Dec-16   $596,683        $110,874
Dec-17   $921,012        $324,329
Dec-18   $948,832        $27,820
Dec-19   $1,204,117   $255,285

Interesting observations from this data. 
2014 - Invested in home for my oldest at college, and basically had roommates pay for living expenses. 
2017 - Sold house from 2014 at a nice profit, received the largest bonus of my life, house flooded and insurance money arrived before the end of the year so gain is exaggerated. 
2018 - Cash outflows to repair house and paid off the house.  Plus second boy started college. 

Overall stock market gains have contributed nicely over the last 8 years. 
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: GuyinTexas on December 29, 2019, 07:46:32 PM
2011    $-45k
2012    $-43k
2013    $-35k
2014    $-35k
2015    $-11k
2016    $6k
2017    $9k
2018    $31k
2019    $62k

Lots of ups and downs but I'm making progress. Would be nice to break through $100k in investments 2020 (currently $73k). Student loans 2001-2016, two new cars in 2014 and 2016. 2014 was the first year I earned more than $50k/yr. 2017 I had $8k in medical debt. I've learned valuable life lessons over the years.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: skcook on December 29, 2019, 08:00:55 PM
Dec 2019 - $825k
Dec 2018 - $700k (approx)
Dec 2017 - $569k
Dec 2016 - $400k

Pretty happy with our steady progress, especially since we spent about $17k this year on a camper van and an e-bike (both of which are totally awesome).
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 29, 2019, 09:36:40 PM
Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)     +13,140
Dec 31, 2014    $2,833        +22,995
Dec 31, 2015    $13,330      +10,497
Dec 31, 2016    $75,494      +62,164 **
Dec 31, 2017   $106,827      +31,333
Dec 31, 2018    $125,811     +18,984
Dec 31, 2019   $221,500      +95,689 **

Bit slower then many on here; but started late and in BIG HOLE of debt.  We've made it through the "daycare years" with both our kids and re-fied our consumer debt into a more manageable longer term lower rate second mortgage. Also crossed into 6 figures invested this year and they say the first $100K is the hardest. So I am pretty confident and optimistic for the next decade :)

** years in which I updated and bumped up our home value, in reality it was more linear/averaged out over the other years as well.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 30, 2019, 12:23:17 AM
Up $171K for the year, but we've been lazy.    Only finished renovating one house this year and have been sluggish on the other.

We'll get a bump next year when we finish renovating one house and sell it, but we'll get a smaller drop when we finish renovating another house and give it away to charity.

I'm happy with where we are.   FIRED and wealthy. :)

And....   I'm even happier at $182k up for the year.   Not bad, $11k for a few days of not working for it! ;)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: FIRE_guy on December 30, 2019, 01:24:09 AM
Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)     +13,140
Dec 31, 2014    $2,833        +22,995
Dec 31, 2015    $13,330      +10,497
Dec 31, 2016    $75,494      +62,164 **
Dec 31, 2017   $106,827      +31,333
Dec 31, 2018    $125,811     +18,984
Dec 31, 2019   $221,500      +95,689 **

Bit slower then many on here; but started late and in BIG HOLE of debt.  We've made it through the "daycare years" with both our kids and re-fied our consumer debt into a more manageable longer term lower rate second mortgage. Also crossed into 6 figures invested this year and they say the first $100K is the hardest. So I am pretty confident and optimistic for the next decade :)

** years in which I updated and bumped up our home value, in reality it was more linear/averaged out over the other years as well.

Wow, almost a 100k this year alone? That's really impressive my friend.
Well done.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 30, 2019, 05:20:22 AM
Household Net Worth

$716,000.0 - 2019 leanFIRE'd in October
$521,000.0 - 2018 Office Space
$445,000.0 - 2017 Continued living like it's 2014
$308,000.0 - 2016 Made $$$
$160,000.0 - 2015 Changed Careers
$84,500.0 - 2014 Joined Forums
$65,000.0 - 2013
$42,500.0 - 2012 Discovered MMM/ER

~$195k increase this year!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: StarBright on December 30, 2019, 07:34:07 AM
2011    $-45k
2012    $-43k
2013    $-35k
2014    $-35k
2015    $-11k
2016    $6k
2017    $9k
2018    $31k
2019    $62k

Lots of ups and downs but I'm making progress. Would be nice to break through $100k in investments 2020 (currently $73k). Student loans 2001-2016, two new cars in 2014 and 2016. 2014 was the first year I earned more than $50k/yr. 2017 I had $8k in medical debt. I've learned valuable life lessons over the years.

This is amazing steady progress - congrats!

I think a lot of us here find that once we hit about 100k in investments that it just seems to take off. You are almost there!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 30, 2019, 04:12:44 PM
Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)     +13,140
Dec 31, 2014    $2,833        +22,995
Dec 31, 2015    $13,330      +10,497
Dec 31, 2016    $75,494      +62,164 **
Dec 31, 2017   $106,827      +31,333
Dec 31, 2018    $125,811     +18,984
Dec 31, 2019   $221,500      +95,689 **

Bit slower then many on here; but started late and in BIG HOLE of debt.  We've made it through the "daycare years" with both our kids and re-fied our consumer debt into a more manageable longer term lower rate second mortgage. Also crossed into 6 figures invested this year and they say the first $100K is the hardest. So I am pretty confident and optimistic for the next decade :)

** years in which I updated and bumped up our home value, in reality it was more linear/averaged out over the other years as well.

Wow, almost a 100k this year alone? That's really impressive my friend.
Well done.

Thanks!! About half Home equity/value increase and half retirement contributions/gains.

Don't anticipate keeping that pace but even ~$50K a year will get me to about a million-ish by the time my wife hits her pension which should be good for an early-mid fifties retirement :)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: bennycx on December 30, 2019, 06:18:41 PM
2017   550k
2018   717k
2019   1.22mil

Reached a mil at 30 years of age!
Took some low fixed rate debt last year which paid off massively along with a decent bonus
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: mbk on December 30, 2019, 07:31:46 PM
2018  190600
2019  291500       +100,900

Equity on primary home and rental property is added to NW. Breakdown is retirement contributions 38k + equity gain of 9k (purely mortgage payoff) + employer match on retirement contributions + market gains. Income sources: salary at <100k and one rental income.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on December 30, 2019, 07:43:31 PM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)
Dec 2018: $255, 892.49    (+ $49,542.26)
Dec 2019: $424, 020.62    (+ $168,128.13)

Blew past my goal of $325k for 2019. Goal for EOY 2020 is $500k!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: givemesunshine on December 30, 2019, 10:46:50 PM
31st Dec 2015 - $161K
31st Dec 2016 - $195K
31st Dec 2017 - $236K
31st Dec 2018 - $266K
31st Dec 2019 - $347K

Happy with how this is tracking, still have expensive medical bills (>$10K per year) and this year included some moving costs too.

Making progress to FIRE in 10-12 years.

Happy New Year everyone!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on December 31, 2019, 03:40:48 PM
2014: $425k
2015: $627k
2016: $830k
2017: $1,167k
2018: $1,325k
2019: $1,658k

Not a frugal year at all, but the markets covered my ass.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: zygote on December 31, 2019, 04:07:09 PM
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)

Wow! I contributed basically the same amount this year as last year, so the market is really what did it, especially since 12/18 was right in the middle of the downturn. Shows how much power comes from being invested.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 31, 2019, 04:34:15 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: dblaace on December 31, 2019, 04:51:55 PM
12/18 $768k
12/19 $941k
+$173k!

It was a good year. Hoping for the second comma by mid 2020.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: philli14 on December 31, 2019, 05:16:03 PM
Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304

Great gift! Excited to see 2021.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: obstinate on December 31, 2019, 06:45:31 PM
Jan 1 2017: 55% FIRE
Jan 1 2018: 67%
Jan 1 2019: 67%
Jan 1 2020: 87%

Since we did this poll last, our spending rose sharply because we hired a nanny for our boys. This accounts for about 20% of our overall spending. I've adjusted our numbers from before based on my estimate of our spending this year.

It's also a bit hard to tell from Personal Capital what of our spending is recurring vs. not. Some home improvement expenses we incurred this year are one-time things. But, the home may continue to be improved going forward. But also these aren't pure expenses (presumably they feed into the value of the house). It's confusing.

In any case, this is assuming our expenses, as estimated, never go down. They surely would if we FIREd, so this represents a very pessimistic view of our progress toward FI. I guess since we would lose the nanny if we retired (and not spend any more to offset that), and since that is 20% of our spending, and since we're >80% FIRE with our current spending, we are FIRE-nanny. Interesting!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Chrissy on December 31, 2019, 08:41:22 PM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k

VERY costly home renovation this year.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Metalcat on December 31, 2019, 09:00:22 PM
~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: ysette9 on December 31, 2019, 09:54:08 PM
~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.
Congrats. That is a big deal.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on December 31, 2019, 10:11:43 PM
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)

I saved $66k, and the rest is market gains. It would have been a little higher, except for the car note acquired in Nov.  Slow accumulation, fast spend!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Metalcat on December 31, 2019, 10:25:36 PM
~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.
Congrats. That is a big deal.

Thanks, yeah, it's very nice to be on the other side of that debt mountain.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Bloop Bloop on December 31, 2019, 11:55:51 PM
2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: ender on January 01, 2020, 12:23:07 AM
2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

do I even want to know what your 1M is in that you didn't make any meaningful amount in 2019?
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: kenmoremmm on January 01, 2020, 12:58:15 AM
2014: $661k
2015: $773k
2016: $875k
2017: $1098k
2018: $1232k
2019: $1432k

curious for those here calculating their savings rate using MMM methodology: do you deduct medical expenses from your net income (i.e. gross - taxes - medical)?
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Bloop Bloop on January 01, 2020, 01:18:19 AM
2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

do I even want to know what your 1M is in that you didn't make any meaningful amount in 2019?

I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 01, 2020, 02:18:07 AM
Investments only, solo journey (so far)

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)
January 2019          356500        +124500   (Sale of condo +60k, total of 144k invested)
January 2020          500000        +143500   (Change of location significantly decreased income by almost 28k)

Extremely good year considering my own contributions after taxes and expenses accounted for only 60k of that increase.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Herbert Derp on January 01, 2020, 04:05:12 AM
I've made pretty impressive progress, putting it in perspective like this! On average, my net worth increased by about $370K / year over the last two years. It's interesting how much things have changed since the beginning of my journey, when it took me about a year to save my first $100K. In just one year, my net worth increased by more than it did in the first four years of my career. At that time, I could not have predicted this much progress!

January 2016: $408,896.04
January 2017: $617,283.09    (+$208,387.05)
January 2018: $968,307.87    (+$351,024.78)
January 2019: $1,200,467.72 (+$232,159.85)
January 2020: $1,705,284.27 (+$504,816.55)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 01, 2020, 05:35:13 AM
Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Dicey on January 01, 2020, 05:48:10 AM
I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).
Down 5%, then up 5% over  a couple of years doesn't sound at all like a "complete loser". RE is, was, and always will be cyclical. Give it time.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: anotherAlias on January 01, 2020, 07:28:56 AM
With 2019 officially in the books, here's my updated numbers (with history back as far as when I started tracking net worth).  It was a very good year financially.  Hopefully 2020 can be as generous.

2011:   $85,616.93
2012: $139,042.72
2013: $217,250.05
2014: $284,626.51
2015: $332,514.20
2016: $431,718.92
2017: $586,059.24
2018: $591,792.31
2019: $812,897.82
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 01, 2020, 07:34:40 AM
Liquid portion

12/31/2012 -    761,025
12/31/2013 -    921,833
12/31/2014 -  1,041,652
12/31/2015 -  1,057,308
12/31/2016 -  1,280,747
12/31/2017 -  1,578,259
12/31/2018 -  1,535,270
12/31/2019 -  1,944,727

Real Estate 12/31/19
 $426,159

Total Net Worth:  1,944,727 + 426,159 = 2,370,886
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on January 01, 2020, 10:47:30 AM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
12/31/2018: -$202 So close!
12/31/2019: $37,161 Feeling a slight tailwind kick in
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: trashtalk on January 01, 2020, 10:53:00 AM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
12/31/2018: -$202 So close!
12/31/2019: $37,161 Feeling a slight tailwind kick in

Look who's gonna be a millionaire by 2030! Nice going.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fattest_foot on January 01, 2020, 11:14:10 AM
Fun thread. It's interesting to compare yourself to others with common goals. This is just investment assets and not cash or mortgage factoring into net worth.

2014: $97k
2015: $129k
2016: $205k
2017: $318k

Looks like I forgot to do this last year. 2018 wasn't great due to the December drop, but 2019 was a monster year with this last quarter.

2018: $366k
2019: $557k
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 01, 2020, 02:05:34 PM
December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700
December 2016:  $153,950 
December 2017:  $219,525 
December 2018:  $272,446

December 2019:  $370,526.76.  I got a huge raise, to help facilitate us buying my grandparent's farm.  So that's all going in savings and really jumped up our net worth this year.  2020 will put huge brakes on that, as we'll buy the farm and suddenly start paying $20,000/year in interest.  We will be lucky to hit $425,000 by the end of 2020.  If the stock market takes a hit, we could be lucky to get to $400,000.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: McStache on January 01, 2020, 02:50:27 PM
2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830
2018 - $317,638
2019 - $441,666

Up $124K in 2019, which is more than I earned and a lot more than I contributed, which is pretty crazy.  I'm hoping to hit $500K this year, but we'll see where the markets go.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Dave1442397 on January 01, 2020, 06:29:09 PM
I only started tracking when I found MMM at the end of 2016.

12/31/16  $452,261.58
12/31/17  $574,567.16
12/31/18  $600,219.93
12/31/19  $758,682.52

Up $158,462.59 for 2019. I won't expect that every year, but wouldn't it be nice?

We saved just over $55k, shooting for $60k in 2020.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Cherry Lane on January 01, 2020, 07:07:54 PM
2013    48% FI    (11.9x) - got on the MMM train in October
2014    59% FI    (14.7x)
2015    64% FI    (16.0x)
2016    79% FI    (19.9x)
2017  101% FI    (25.3x)
2018    99% FI    (24.6x) - FIREd in March
2019  124% FI    (30.9x) - woohoo!!!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Threshkin on January 01, 2020, 08:24:30 PM
5.74 percent gain in NW YTD.  Not great but since it is roughly 3 years of expenses I am not complaining.

19% Y on Y gain for 2016.  I FIRED on Nov 01 with a package so that accounts for part of the gain but it is still happy dance time!

9% Y on Y TNW gain for 2017 (YTD).  Investment accounts were up 17%.  Cash reserves and real estate lowered the total gain for the year.

Down 3.8% Y on Y for 2018 (YTD).  The big drop at the end of the year wiped out significant gains.  This includes all expenses for the year.

Up 19% Y on Y for 2019 net of expenses.  This was a very good year for investors.  How long can this bull market run?

Total expenses tracked at only about 75% of plan but this included paying for a new roof which insurance paid for.  If I back that expense out we are closer to only spending 60% of plan.  Skinny FIRE on moderately Fat FIRE assets.  This fits my conservative attitude where is comes to our money.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on January 02, 2020, 12:10:26 PM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.

December '18 - $651,778 ($123,244, 23%)

We did well on contributions, but our conservative estimate of home equity is down and investments were a mixed bag.

December '19 - $799,312 ($147,534, 23%)

We're up more than that for the year, because I reported last December before the year end dip.  It's amazing to look back and see all the progress we've made.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: SanDiegoFIhopeful on January 02, 2020, 01:34:17 PM
Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)

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

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

I am beyond pumped, but trying to stay realistic. We are extremely unlikely to get even half as lucky in 2020, but are aiming to make up for some of that by increasing to a 45% savings rate.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: JSMustachian on January 02, 2020, 02:47:32 PM
2015- $45,647
2016- $89,037 (+$43,390)
2017- $248,262 (+$159,225) >>Found out the cash value of pensions this year and learned about MMM mid year
2018- $340,317(+92,055)
2019- $529,759 (+$189,442)

2019 could not have gone better for us. It's exciting reading about everyone's huge progress. Thank you MMM!


Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: MishMash on January 02, 2020, 03:02:06 PM
well 2019 saw an increase of 420k for us.  All gains as I haven't worked in 2 years and we've been spending all our disposable income on fun stuff to keep DH sane.  DH is still working, 2 more years until he gets his military pension and health insurance. 

It's getting harder to tell the husband he can't buy a boat when you see gains like that in a year.  It also marked the year we crossed the 2 million marker, followed by 2 million in invested assets only a short couple of months later.   Today alone saw a 20k increase in net worth and I'm sitting here like how the hell is this even possible, some households don't even make that in a year? And, man when this turns south it's going to hurt.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: dandarc on January 02, 2020, 03:13:22 PM
May hurt, but "losing" say 50% in a year should be much easier to handle when you've got $2m invested vs. say $200K or $20K. Dollars will be bigger, but so will the dollars you have left. So long as you don't sell it all at the bottom, you haven't really lost anything, and the ~$1m of assets should help you keep perspective on that.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: MishMash on January 02, 2020, 03:25:30 PM
May hurt, but "losing" say 50% in a year should be much easier to handle when you've got $2m invested vs. say $200K or $20K. Dollars will be bigger, but so will the dollars you have left. So long as you don't sell it all at the bottom, you haven't really lost anything, and the ~$1m of assets should help you keep perspective on that.

Yea I keep telling myself that, that and we won't be selling assets when he retires, dividends and his pension should be enough to live comfortably on. 

For me I grew up poor so I definitely have aversions to spending money. It's just insane to me that inside of 4 years we accumulated our 2nd million before age 40.  Makes me feel a bit guilty to be honest.  But it's also enabled us to help some of our friends that aren't as fortunate.  We barely blinked when giving a friend 3200 this month to escape his slumlord and move into a new place when the roof of his apartment caved in from water damage and she refused to fix it.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Bloop Bloop on January 02, 2020, 04:49:48 PM
I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).
Down 5%, then up 5% over  a couple of years doesn't sound at all like a "complete loser". RE is, was, and always will be cyclical. Give it time.

Yeah, it's just hard to stomach when you look at the opportunity cost. That said, you have to take the good with the bad and I've won $400k (100% of my NW at the time) in a year gambling on investing, also lost $30k in a previous year (while at uni) doing the same thing (50% of my NW at the time), so at least it's much better than if those positions were reversed. I've essentially lost $300k the past 18 months by not investing more heavily in shares but had I been in shares for the 10 years previous to that I would have made a net loss! As you say, just have to give each position time.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 02, 2020, 08:32:22 PM
2015: $333,176
2016: $427,947 (+$94,771)
2017: $628,029 (+$200,082)
2018: $718,610 (+$90,581)
2019: $1,030,547 (+$311,937)

Well, 2019 was a hell of a year! The 2019 gains look exaggerated due to the slump in Dec 2018 but even without that it was still quite an amazing year for us. It's staggering to me that our 2019 NW increase is just about equal to our entire NW from 2015! That was only 4 years ago! I'm very curious to see what happens to the market in 2020.

I'm currently expecting our first child at the end of this month, so we'll likely have higher than previous spending this year including baby stuff, 8 months of daycare, etc. I estimate we'll spend around ~$60k total, or ~$5k / month. Also I'm planning on ~1 month of unpaid FMLA leave, but we are in a good groove with our automated savings / investments and have compounding on our side. It doesn't hurt that we once again got some healthy raises this year, increasing our household income for 2020 by about $8.2k over last year. That should help cover my slight income gap.

In an effort to at least start the year out right, I'm attempting an uber-frugal January. As uber-frugal as one can be while very pregnant and constantly hungry and tired and sore, and occasionally (ok, nearly always) in need of emergency recovery chocolate. At least naps are free :)
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 02, 2020, 10:44:46 PM
It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

<nice chart showing what contributed to our net worth gains each year - real estate appreciation was a big factor>

Not expecting those real estate gains to continue...

It seems like I revisit this thread every two years. I have added 2017 and 2018 as well as gone back in time to add some historical numbers.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019(est): aiming for $170K increase

Despite the lower increase in 2018 it was a good year for us. We sold the house that had gained so much and bought a place cost $300K less. Most of that difference was invested a few months before the market dipped - unfortunate, but not something to lose sleep over. Real estate used to account for about 52% of our net worth but moving and investing the difference puts it at 42% which is still high but much better.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: Do I dare make a prediction? Not this time.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on January 03, 2020, 09:06:47 AM
NW since first posting in this thread:

Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K
Feb 2018 - $643K
Jan 2019 - $666K
Jan 2020 - $851K

Not quite as good as it looks for 2019. We cash-out refinanced our previously paid-off house late last year and I added in a $42K "gain" on the house since we got a proper appraisal for that. Still, pretty happy with a $185K or $143K excluding the unrealized gain on the house increase.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: OurTown on January 03, 2020, 12:40:50 PM
NW increase by year:

2015 = $108,000 (+40%)
2016 = $87,000 (+23%)
2017 = $119,000 (+26%)
2018 = $50,000 (+9%)
2019 = $179,000 (+28%)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 03, 2020, 03:31:42 PM
NW increase by year:

2015 = $108,000 (+40%)
2016 = $87,000 (+23%)
2017 = $119,000 (+26%)
2018 = $50,000 (+9%)
2019 = $179,000 (+28%)

Congratulations. By my calculation that means you have $818,300
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: bbates728 on January 03, 2020, 05:06:15 PM
NW by year:

2018: -$24,108
2019: $48,912 (+$73,020)

Most of the increase went to paying off student loans but from now on I will be shoving that cash into the market.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on January 04, 2020, 05:36:39 PM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

End 2017: $385k

Moved country, and set up a new house, which was spenny, and wife was out of work for a few months after the move. Next year should see us get to $500, provided market is flat or up.

Didn't update this thread last year. Clearly I made the $500k goal I was hoping for.

End 2018: $531k (+146)
End 2019: $700k (+169)

Looking back, it's crazy to think that I have been doing this for 5 years now. This year will be a bit tougher as we now have a +1 dependent, but hoping to hit the $1M by end of 2021.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: FIreDrill on January 04, 2020, 09:04:22 PM
End 2018 = 397k

End 2019 = 560k

Increase = 162,911

It's been a good year for the NW :)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: RWD on January 05, 2020, 08:42:37 AM
+$245k in 2019 for us. Our best year ever by far.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Dr Kidstache on January 05, 2020, 09:04:44 AM
+ $126,765.85 for 2016
+ $250,528.50 for 2017
+ $50,578.48   for 2018
+ $186,247.17 for 2019 
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: DadJokes on January 05, 2020, 01:11:46 PM
1/1/2019: 60,898
1/1/2020: 137,265 (+76,367)

125% increase in my first year since discovering MMM
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 05, 2020, 05:35:28 PM
1/1/16: $462,464.13
1/1/17: $598,065.11 (+$135,600.98)
1/1/18: $719,775.17 (+$121,710.06)
1/1/19:  $708,180.68 (-11,594.49)
1/1/20: $935,648.51 (+227,467.83)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Omy on January 05, 2020, 06:44:59 PM
Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on January 05, 2020, 07:16:40 PM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: dragoncar on January 05, 2020, 08:57:51 PM
Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.

Sequence of returns looking good for me too, now look I jinxed it top is in
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on January 06, 2020, 07:54:59 PM
% of target stash:

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house

Onward!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Bird In Hand on January 08, 2020, 02:15:36 PM
Savings & Investments (including retirement contributions) increased by $284k in 2019, and another $33k went to mortgage principal.  We did have to replace a car, so we have some red ink there.  Not including RE appreciation our 2019 NW went up by about $300k, or ~ 22%.

If returns in 2020 are half as good as 2019, we'll be safely into FI territory this year -- with a paid off mortgage to boot.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: EliteZags on January 08, 2020, 02:32:21 PM
Personal Capital shows my NW increased +~$70K in 2019
was unemployed most of the year and partying about 4 nights a week until August (Newport Beach), and came out with a Jaguar XF(2015) after my old SUV finally died
suppose I managed the year decently
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: trashtalk on January 08, 2020, 06:01:15 PM
We're still updating the spreadsheet but broadly speaking we are up about $200k this year. We could have done better on savings rate but up is better than down so we'll take it.


Sent from my iPhone using Tapatalk
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 08, 2020, 06:07:02 PM
Not including buying a house this year in my numbers, I am at about half of my target stash as of this month. If I include home equity, I am well on my way. I have a low % rate on loan, so won't be prioritizing paying down mortgage in the near term unless I get an unexpected windfall that would make a significant dent in it (and yes, that would be mostly psychological rather than mathy).
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Retireatee1 on January 08, 2020, 07:09:41 PM
I'm in my 40's and have been doing the LBYM thing for over a decade.  For the past five years I've been using my own Retireator Excel spreadsheet (posted in this thread https://forum.mrmoneymustache.com/share-your-badassity/2020-retireator-released-(v0105)/ (https://forum.mrmoneymustache.com/share-your-badassity/2020-retireator-released-(v0105)/)) to do my early retirement planning.  I went back and looked at my future net worth predictions from the year 2015 and charted it against the real numbers.  Net worth is calculated by the Retireator to include savings and home equity minus debt and tax liability.  My predictions were slightly optimistic but tracked pretty well.  I've since revised my forecasts to be a bit more conservative.  The current Retireator prediction of my FI date is June 1, 2021.

(http://www.retireator.org/NetWorth.jpg)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: EngagedToFIRE on January 09, 2020, 08:31:37 AM
2019 was a pretty darn great year!

(https://i.postimg.cc/4dZ36Pzr/net-worth.png)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Simpli-Fi on January 10, 2020, 05:36:36 AM
YES! it was...I was less than $8k shy of half a million increase, which is insane to me.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: PVD_Kev on January 10, 2020, 12:48:11 PM
People are damn inspiring on here!  So, for posterity I did my best estimate of NW since discovering MMM in 2015.  The fact that I can actually go back and reliably track this information is itself a testament to the good ideas from MMM.

FWIW, I've been doing this as a recently (2014) divorced dad of two who had the kinds of expenses that no one preparing for FIRE would advise (child support, outfitting a new home, less control over kids expenses, etc).  DO NOT RECOMMEND!

Also note, I do not include the >$500,000 I have in 529 funds since it's the kids money and we are now withdrawing from it for college tuition. Lastly, also note that I did get re-married in 2018 and that she brought $40k (that's it...her first husband bankrupted them!).

July 2016:   $247,000
July 2017:   $319,000
July 2018:   $356,000
July 2019:   $432,000
July 2020:   $477,000?

Now that divorce-based expenses end in July 2020 I hope to get to $1m by 2025, or sooner.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: w@nker on January 25, 2020, 12:47:03 AM
My best year yet for NW increase.  Up about $600k in 2019, and I now sit at just over $3 million.  Snowballing toward my $5 million fat FIRE, but I don’t trust the market from these levels.  Nevertheless, I stay fully invested because that is the way.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: StarBright on January 25, 2020, 11:17:17 AM
I wasn't expecting much of an increase this year, since I quit my job in February and donated a decent chunk of money to charity. But sweet baby FSM did investment growth get my FIRE off to a great start. Net worth increased by $172,000. I never earned close to that amount in even my highest-income year.

That is so cool!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Mrs. D. on January 28, 2020, 08:57:06 PM
Up $80K for 2019. Record-breaking year for us! Hoping to top that in 2020.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Elle 8 on February 04, 2020, 05:35:17 AM
Wow, how have I never noticed this thread before? Below is my year end Retirement Savings (rounded to $500), not net worth. Interesting how I skipped right over the 500Ks.  Add in my short-term savings, home equity minus mortgage, and some other small adjustments and my net worth right now looks like about 887K. I'll be a millionaire in no time!

2012 . 225,000
2013 . 240,000
2014 . 276,500
2015 . 324,000
2016 . 364,000
2017 . 453,000
2018 . 487,000
2019 . 608,500
NOW . 631,000
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Steveray7071 on February 04, 2020, 12:37:03 PM
109K gain for 2019!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Spitfire on February 06, 2020, 01:45:20 PM
I'll join, this is invested only (401k, Roth, Taxable):

2015: 184,891
2016: 238,968 (+29%)
2017: 325,950 (+36%)
2018: 359,485 (+10%)
2019: 525,556 (+46%)

Now if 2019 could happen a few more times in a row...
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: terrifictim on February 06, 2020, 01:58:24 PM
2016: 232K - Started tracking with Mint
2017: 320K (+88K) - Combination of some investing and some real estate appreciation. Had been doing good saving but only started to get serious about investing this year
2018: 534K (+214K) - Got married and combined assets. Started DINKING and really hitting the pre-tax accounts. Went from aggressively paying off mortgage to aggressively investing.
2019: 675K (+141K) - Starting to see investment accounts becoming signficant. DW went to part time.

The next few years will be interesting. Kid #1 is on the way so expecting lower jumps for a few years especially if DW becomes a SAHM.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: evanc on February 13, 2020, 10:56:49 AM
So many inspiring stories. Here's mine:

16: 346,143
17: 397,687
18: 414,661
19: 600,400

And today I'm at 660~ plus 300 in home equity (not included in above figures), so 2020 is shaping up to be the year of officially becoming a net worth millionaire. If you had told me that a couple of years ago when I started this journey, I would have thought it impossible. So fortunate and thankful to have found MMM and all you mustachians. You all rock!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Dicey on February 13, 2020, 01:30:33 PM
Just put pencil to scratchpad. We flipped a house last year, so this number is unusually high. Our primary bank account + out primary investment account are up $562k over last year. There is other stuff, but I'm too gobsmacked to dig any further. Yowza!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: marty998 on February 19, 2020, 03:21:17 AM
Just put pencil to scratchpad. We flipped a house last year, so this number is unusually high. Our primary bank account + out primary investment account are up $562k over last year. There is other stuff, but I'm too gobsmacked to dig any further. Yowza!

Oh my god @Dicey that's freaking huge! Well done!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: eazyebeneezer on March 07, 2020, 06:54:16 AM
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k

Thanks to MMM, the concept of net worth and how to save (and invest!) money finally sunk in for me this year. I was on a paltry savings rate, content that I was contributing to my teacher pension plan for the last ten years (11% of gross income). Then I realized how much better I could be doing. This year I'm on track to max out 403b, 457b, Roth IRA, and put substantial money in a 529 and a taxable account after that. Target is a 75% savings rate. It wasn't even hard to do given my lifestyle preferences. I was just woefully in the dark about how and where to save and invest. Long live MMM and the FI blogosphere!

Dec 2018: ~420k (got married and combined finances; I married well)
Dec 2019: ~600k

2020 is looking unlikely to see returns like last year (putting it mildly), but we are still in accumulation mode, so we won't stress over stock market gyrations. Our income hit its peak in 2019, and our savings rate was over 70%. We plan to continue at the same rate for at least a couple more years. The FI number isn't set in stone for us, as we have various options on the table about where we live, taking a sabbatical, etc. I do think that if the economy enters recession territory, this will be an instructive time for those of us who are newer to investing. Since I've only had serious money in the market for a few years, I'm used to seeing the number go in one direction- UP, BY A LOT. Getting used to lower (possibly flat or negative) returns will be an important step in getting comfortable with long-term investing, ignoring the sort term swings and trusting our asset allocation. Although I've read enough to know that this is part of the process, it's another thing altogether to watch it happen to your own portfolio. If anything, this motivates me to save more and not get complacent.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: bbqbonelesswing on March 07, 2020, 08:28:54 AM
1/4/19: $46,197 NW
1/3/20: $89,902 NW

Increase: $43,705 or 95%

Let's go!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Dicey on March 07, 2020, 09:09:36 AM
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k

Thanks to MMM, the concept of net worth and how to save (and invest!) money finally sunk in for me this year. I was on a paltry savings rate, content that I was contributing to my teacher pension plan for the last ten years (11% of gross income). Then I realized how much better I could be doing. This year I'm on track to max out 403b, 457b, Roth IRA, and put substantial money in a 529 and a taxable account after that. Target is a 75% savings rate. It wasn't even hard to do given my lifestyle preferences. I was just woefully in the dark about how and where to save and invest. Long live MMM and the FI blogosphere!

Dec 2018: ~420k (got married and combined finances; I married well)
Dec 2019: ~600k

2020 is looking unlikely to see returns like last year (putting it mildly), but we are still in accumulation mode, so we won't stress over stock market gyrations. Our income hit its peak in 2019, and our savings rate was over 70%. We plan to continue at the same rate for at least a couple more years. The FI number isn't set in stone for us, as we have various options on the table about where we live, taking a sabbatical, etc. I do think that if the economy enters recession territory, this will be an instructive time for those of us who are newer to investing. Since I've only had serious money in the market for a few years, I'm used to seeing the number go in one direction- UP, BY A LOT. Getting used to lower (possibly flat or negative) returns will be an important step in getting comfortable with long-term investing, ignoring the sort term swings and trusting our asset allocation. Although I've read enough to know that this is part of the process, it's another thing altogether to watch it happen to your own portfolio. If anything, this motivates me to save more and not get complacent.
Shifting your focus to the number of shares owned solves this problem. When the market's down, shares accumulate faster. When the market rebounds, it's an incredible boost. #askmehowiknow
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: BTDretire on March 07, 2020, 01:43:57 PM
We are retired, but still have college kid expenses of about $90k plus our living expenses, we still managed an increase of $110,000.
More than we ever earned while working!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: SwordGuy on March 07, 2020, 03:23:01 PM
Our net worth was up $181,232 for 2019.   Not bad for folks who aren't working for a living!

Net real estate gains based on Zillow values was $350.00.    The rest was the market.

As of 2/28/2020, the last time I checked, we were only up $96,345 since 12/31/2018.   

Also not bad for people who aren't working for a living!  :)

I suppose with the current market gains we're not up quite as much.   

Not particularly worried  since I just got a $24k a year raise by going on social security in January of 2020.

We're about to refinance our new house if we can get lower terms at a low closing cost.    We'll be selling off 3 houses this year which will drop our annual expenses by about $30,000, which is more than the raise we got this year by me going on social security.   

Not only that, but we expect to cut our mortgage balance by 50% to 75% this year, depending on how the house sales go.   We should have it paid off in 2 to 3 years which will drop our annual expenses by another $20,000.   Or, if the market drops big time we'll funnel those housing sale funds into the market and make even more money when the market rebounds.

Some of y'all used to make a bit of good-hearted fun at me for over-engineering our retirement plans.  :)   But this is why.   I just don't have to sweat about this stuff because I know we'll have enough for us and our mentally handicapped daughter regardless. 

Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: marty998 on March 22, 2020, 05:53:12 AM
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: G-dog on March 22, 2020, 06:14:22 AM
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).

Maybe, but imagine where we would be if we hadn’t been working on building our NW.  Watching somewhat theoretical numbers go up is nice, but now the rubber hits the road. We are playing the long game.  Stay safe @marty998
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Dicey on March 22, 2020, 07:57:37 AM
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).
Bwahahahahaha!   Ouch!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Zaga on March 22, 2020, 08:02:27 AM
That's why I try to track how much I saved, not just the actual net worth increase.  We've had 2 years now with no increase, but we did invest nicely during those years.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: TempusFugit on March 22, 2020, 12:38:16 PM
+245K in CY 2019

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



aaaand gone.   But you know that's actually comforting.  Easy come easy go, right? I'm down ~265K from peak (so far)and that's ok.  It's comforting because this was only a little over a year ago.  I certainly didn't feel 'poor' before I gained that 265K, so I don't feel poor now. I'm still pretty darn rich. 
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on March 22, 2020, 01:52:22 PM
+245K in CY 2019

As Ender noted above, the December correction (nearly a bear) makes this year's numbers look better than they would otherwise.  But I'll take it.
aaaand gone.   But you know that's actually comforting.  Easy come easy go, right? I'm down ~265K from peak (so far)and that's ok.  It's comforting because this was only a little over a year ago.  I certainly didn't feel 'poor' before I gained that 265K, so I don't feel poor now. I'm still pretty darn rich.

so apropos - https://youtu.be/-DT7bX-B1Mg
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: marty998 on March 22, 2020, 02:20:01 PM
I'm going to have to change this thread to Net worth decrease 2020 (i.e. the 'present' taken away from yourself).
Bwahahahahaha!   Ouch!

Eh - my net worth is only down 3% on account of some dumbshit lucky market timing. But if the property market tanks then I'll be joining in the party :)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: ysette9 on March 22, 2020, 09:31:56 PM
We haven't updated the spreadsheet in a few weeks but it is looking like we are down $500k from our high water mark. oof.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: OurTown on March 23, 2020, 10:12:28 AM
Looks like about -$95,000.  So far.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Zaga on March 23, 2020, 10:14:59 AM
-105K, that's bigger than our largest single year increase so far.  Have rebalanced twice.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Apple_Tango on March 23, 2020, 04:47:57 PM
-$30,000 from the highest point! However, in my vanguard account, still over half of the value is just  gains made from 2009-present. Still a much better return than putting it under the mattress :)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: OtherJen on March 23, 2020, 05:35:35 PM
We were down $25K as of last Friday. I haven't wanted to look since. I actually started laughing when I opened Quicken because it just adds to the insanity of the current global situation.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on March 24, 2020, 03:44:49 AM
Down 467k from the highs as of this morning from the highs.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on March 24, 2020, 03:50:22 AM
Down about $150k since mid February.....yikes! Thats 5 years of living expenses for our household.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: DaMa on March 27, 2020, 07:23:44 AM
Down $115k since 1/1/2020.  And I'm not worried.  This is the greatest feeling in the world.  Thank you MMM community!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: MM_MG on March 29, 2020, 05:51:31 PM
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

No real reaction to the drop for us.  Feel bad for all those that recently retired, or were close to retiring and had not planned for this type of event.   
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maginvizIZ on April 04, 2020, 10:22:53 AM
Down $60k since 1/1/2020. Fuck that hurts.

I'm still in accumulation phase and I think my job is fairly secure.... I'm panic buying stocks... But I'd be a liar if I said it didn't hurt a little bit.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: DadJokes on April 04, 2020, 11:07:15 AM
Investment balance on 1/1/20: $80,418
Added to investments: $11,744
Investment balance on 4/1/20: $74,853
Losses: $17,309

C'est la vie
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: foghorn on April 04, 2020, 12:19:25 PM
Down just over $430,000 between 1/1/20 and today (4/4/20).  Ugh - that hurts to write.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: facepalm on April 04, 2020, 01:00:01 PM
I'm down about 50K. Meh

I think my tolerance for risk is higher than I assumed. I just look at that number and think it could have been way worse. I'm five years out from retiring, so looks like it's time to start shopping the sales.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on April 04, 2020, 02:27:34 PM
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

Pestilence is not easily defeated.

Only those whose 'stache's' are in the very early phase will likely see an increase this year.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on April 05, 2020, 07:19:27 AM
This is not something I believe to be true, nor anything I would disclose IRL, so I'll share it here. Zillow has a "service" that pings you when your property values change. At the crack of dawn on Friday, I got a ping that our primary home in our HCOLA had increased in value by $260k. That's about what I'm guessing our investment accounts are down, but I'm not looking. So, according to the infallible algorithms employed by Zillow, it's a wash, as far as total net worth goes. Hahahahaha...
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on April 05, 2020, 02:50:54 PM
Down 140k in 2020 so far.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on April 05, 2020, 04:50:34 PM
Down. ALOT. About 30+%.

Easy come and all that.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: SwordGuy on April 05, 2020, 09:27:22 PM
We're fluctuating between $200,000 and $270,000 down from the start of the year.  1% up or down in the S&P 500 index gives roughly a $10K change.  That's handy 'cause I can know about where we are without having to actually check our balances, all I have to do is check the S&P 500 YTD %.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: FIreDrill on April 11, 2020, 09:00:07 PM
We are down about 24K YTD or -4.3%.  The portfolio is mostly vtsax but we have added a lot to it this year so far.  Buy the dip ride the rip right?
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on April 11, 2020, 10:19:00 PM
This is not something I believe to be true, nor anything I would disclose IRL, so I'll share it here. Zillow has a "service" that pings you when your property values change. At the crack of dawn on Friday, I got a ping that our primary home in our HCOLA had increased in value by $260k. That's about what I'm guessing our investment accounts are down, but I'm not looking. So, according to the infallible algorithms employed by Zillow, it's a wash, as far as total net worth goes. Hahahahaha...
More fun and games.  Zillow is sill standing by the new Zestimate and our investments are down just 10%. We're sitting on a fat cash cushion, so our "actual" NW loss is less than 10%. Interestingly, Redfin's guess is 300k below Zillow's Zestimate. My answer is who knows, who cares? We're fine, even if our NW is in flux. MPP for sure.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Gerard on April 16, 2020, 09:28:06 AM
I'm actually about even for the year, because I'm stupid. I had a bunch of cash not invested. So my investments lost ground, then I bought meh ETFs at the bottom of the trough, and the rebounded value of those has made up for my losses on the original investments (which are also recovering ground).

Yay for stupid!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Gardo on April 16, 2020, 05:12:54 PM
I bought a nice  tube-based amplifier for my 2009 Gibson SG. 
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: dragoncar on June 08, 2020, 11:38:42 PM
Back to personal top. 
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on June 09, 2020, 05:25:29 AM
LOL I'm at a personal top too (*waits for Property to start crashing and burning*)

This is not something I believe to be true, nor anything I would disclose IRL, so I'll share it here. Zillow has a "service" that pings you when your property values change. At the crack of dawn on Friday, I got a ping that our primary home in our HCOLA had increased in value by $260k. That's about what I'm guessing our investment accounts are down, but I'm not looking. So, according to the infallible algorithms employed by Zillow, it's a wash, as far as total net worth goes. Hahahahaha...
More fun and games.  Zillow is sill standing by the new Zestimate and our investments are down just 10%. We're sitting on a fat cash cushion, so our "actual" NW loss is less than 10%. Interestingly, Redfin's guess is 300k below Zillow's Zestimate. My answer is who knows, who cares? We're fine, even if our NW is in flux. MPP for sure.

How does it look now Dicey? Investment accounts up $260k since then too? :D
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: DadJokes on June 09, 2020, 05:42:20 AM
I think we can go back to the previous thread title. S&P is down 4.7% from the top and 0.7% since January 1. Only those filthy one percenters with bookoos of money in the market are still down for the year (tongue in cheek).
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on June 09, 2020, 11:20:16 AM
LOL I'm at a personal top too (*waits for Property to start crashing and burning*)

This is not something I believe to be true, nor anything I would disclose IRL, so I'll share it here. Zillow has a "service" that pings you when your property values change. At the crack of dawn on Friday, I got a ping that our primary home in our HCOLA had increased in value by $260k. That's about what I'm guessing our investment accounts are down, but I'm not looking. So, according to the infallible algorithms employed by Zillow, it's a wash, as far as total net worth goes. Hahahahaha...
More fun and games.  Zillow is sill standing by the new Zestimate and our investments are down just 10%. We're sitting on a fat cash cushion, so our "actual" NW loss is less than 10%. Interestingly, Redfin's guess is 300k below Zillow's Zestimate. My answer is who knows, who cares? We're fine, even if our NW is in flux. MPP for sure.

How does it look now Dicey? Investment accounts up $260k since then too? :D
Ha! Thanks, @Marty, you made me get off my lazy bum and look. The numbers are even weirder since then. Zillow is $289,461k higher than Redfin, and $328,838k than Realtor.com. Totally crazypants.

As to our investments, I just looked. Our online portal only shows the month-end total, unless you're not lazy and you dig a bit (not doing that). Seems December 2019 was actually higher than January 2020. As of today, we're up $4k, but we've added $14k to our Roths since then, so we're really still down $10k. Meh. 

In related news, the house three doors down from us is a piece of shit. Someone has gotten hold of it and is flipping said piece of shit. Unsurprisingly, they're doing a shitty, shitty job. Alas, the sow will surely sell to some unsuspecting soul for a shitload of money. This will no doubt cause our value estimates to increase. More crazypants shenanigans afoot.

Oh, and when they were marketing the piece of shit house, they boasted that it was next to two custom homes. Fuck them. Get off our coattails ya greedy, thieving bastards!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: dragoncar on June 09, 2020, 12:34:35 PM
No chance to unsubscribe from Zillow?  I used to have a property where Zillow was off by like 10x.  I just didn’t even look at it because clearly the algorithm was wrong

Back to personal top. 

And... it’s gone!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on June 09, 2020, 05:44:32 PM
Back to personal top. 

And... it’s gone!

This is a Simpsons quote right? When Homer discovers the Stockmarket?
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on June 09, 2020, 08:28:46 PM
Back to personal top. 

And... it’s gone!

This is a Simpsons quote right? When Homer discovers the Stockmarket?

South Park, actually: https://www.youtube.com/watch?v=-DT7bX-B1Mg

Worth a watch or a re-watch.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: dragoncar on June 09, 2020, 10:54:40 PM
Back to personal top. 

And... it’s gone!

This is a Simpsons quote right? When Homer discovers the Stockmarket?

South Park, actually: https://www.youtube.com/watch?v=-DT7bX-B1Mg

Worth a watch or a re-watch.

I'm sorry, this thread is only for forum members.  Please stand aside for people who actually have money.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: MrThatsDifferent on June 10, 2020, 12:17:06 PM
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

Pestilence is not easily defeated.

Only those whose 'stache's' are in the very early phase will likely see an increase this year.

@marty998  The title didn’t make sense to me until I saw this. Still seems premature to change the title with how the market is reacting. I’d keep the original title and let the year play out.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: dragoncar on June 10, 2020, 12:27:06 PM
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

Pestilence is not easily defeated.

Only those whose 'stache's' are in the very early phase will likely see an increase this year.

@marty998  The title didn’t make sense to me until I saw this. Still seems premature to change the title with how the market is reacting. I’d keep the original title and let the year play out.

Title volatility is at an all time high.  Hedge your position with TVIX
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on June 10, 2020, 12:49:01 PM
Back to personal top. 

And... it’s gone!

This is a Simpsons quote right? When Homer discovers the Stockmarket?

South Park, actually: https://www.youtube.com/watch?v=-DT7bX-B1Mg

Worth a watch or a re-watch.

I'm sorry, this thread is only for forum members.  Please stand aside for people who actually had have money.

FTFY
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on June 10, 2020, 01:43:05 PM
Calling the decrease already?   Haha!

This will be an interesting thread to watch this year.

Pestilence is not easily defeated.

Only those whose 'stache's' are in the very early phase will likely see an increase this year.

@marty998  The title didn’t make sense to me until I saw this. Still seems premature to change the title with how the market is reacting. I’d keep the original title and let the year play out.

There’s still six months to go. Plenty of time for gravity to reassert herself.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: CANStache on June 10, 2020, 09:17:26 PM
Was up $280K Jan 1 > Jan 1. (NW $2.075M)

Almost perfectly even from Jan 1 2020 to today, meaning we're now slipping in terms of year over year gains, but considering my wife has retired and the world almost ended, I'm pretty OK with that.

If someone could just put out the fires in the US (and maybe the president?) I think I'd be content with how the future looks.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: lexde on June 11, 2020, 02:40:51 PM
I am still very early in the accumulation phase.
NW on 1/1 was $76k, and is currently sitting at $95k.

I was at $80k right as the market tanked and lost quite a bit during the initial drops. But I kept contributing to everything as much as I could (while slightly building up my emergency fund in case of lay-off) and am feeing alright again. Still putting a bit of cash away each check until I hit 9 months or so (am at about 6.5 now). Not sure how much cash I want on hand but I don’t want to shoot myself in the foot by not investing.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on June 12, 2020, 05:42:44 PM
I am still very early in the accumulation phase.
NW on 1/1 was $76k, and is currently sitting at $95k.

I was at $80k right as the market tanked and lost quite a bit during the initial drops. But I kept contributing to everything as much as I could (while slightly building up my emergency fund in case of lay-off) and am feeing alright again. Still putting a bit of cash away each check until I hit 9 months or so (am at about 6.5 now). Not sure how much cash I want on hand but I don’t want to shoot myself in the foot by not investing.

Woot woot, congrats! I'm right there with you. I consider myself also early on in accumulation/career phase. At the bottom in March I was at $103k NW, now I'm at $145k. Sure, a lot of that is due to the continual contributions I'm making, but I'm assuming that stocks are on sale for the next year or so. Maybe more.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: lexde on June 14, 2020, 08:07:21 PM
I am still very early in the accumulation phase.
NW on 1/1 was $76k, and is currently sitting at $95k.

I was at $80k right as the market tanked and lost quite a bit during the initial drops. But I kept contributing to everything as much as I could (while slightly building up my emergency fund in case of lay-off) and am feeing alright again. Still putting a bit of cash away each check until I hit 9 months or so (am at about 6.5 now). Not sure how much cash I want on hand but I don’t want to shoot myself in the foot by not investing.

Woot woot, congrats! I'm right there with you. I consider myself also early on in accumulation/career phase. At the bottom in March I was at $103k NW, now I'm at $145k. Sure, a lot of that is due to the continual contributions I'm making, but I'm assuming that stocks are on sale for the next year or so. Maybe more.
Frequent and consistent contributions are what will get us there faster than anything! You’ve got this!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: bbqbonelesswing on July 12, 2020, 05:21:53 AM
I am still very early in the accumulation phase.
NW on 1/1 was $76k, and is currently sitting at $95k.

I was at $80k right as the market tanked and lost quite a bit during the initial drops. But I kept contributing to everything as much as I could (while slightly building up my emergency fund in case of lay-off) and am feeing alright again. Still putting a bit of cash away each check until I hit 9 months or so (am at about 6.5 now). Not sure how much cash I want on hand but I don’t want to shoot myself in the foot by not investing.

Woot woot, congrats! I'm right there with you. I consider myself also early on in accumulation/career phase. At the bottom in March I was at $103k NW, now I'm at $145k. Sure, a lot of that is due to the continual contributions I'm making, but I'm assuming that stocks are on sale for the next year or so. Maybe more.
Frequent and consistent contributions are what will get us there faster than anything! You’ve got this!

Same here- ramped up my contributions to the max, scooped up a lot of stock over the past few months, and so far it's paid off. Keep it up.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Money Badger on July 24, 2020, 03:17:08 PM
I don't think anyone is really an investor until he/she lives through a couple of economic crashes that happen every 8 to 12 years.   Reading "The Intelligent Investor" that Warren Buffett has championed for years saved our a$$ this time.   I went really defensive mostly to cash late last year as we hit all time highs and market P/E was rising as US debt skyrocketed (even worse today after COVID stimulus of course)... I was kicking myself in late January for missing a rally but the "margin of safety" was low and knew my company was having troubles so I liquidated the retirement assets preparing for drama ahead.    Dial forward and the day in Feb the market peaked, I was RIF'd along with 10%+ of the US workforce from a good long-term job...   Further, I wasn't qualified for unemployment or the extra COVID benefits from the Feds so no help there.    Sounds dire, right?

So after living off assets for 5 months, paying COBRA for 4 in the family and finishing 2 kids through college (1 graduated last month), we're UP 15% total net worth since Jan 1st!    One thing was we caught the dead-cat bounce in March and put almost all the cash to work through April.    Thank God for MMM.. no debt of any kind, living cheap off 1 income in the family and putting all our green soldiers to work when others were fearful.   And hedging with gold/silver ETFs as governments around the world will have to cause inflation to bail them out of debt burdens over time.  The MMM lifestyle works my friends!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Tigerpine on July 29, 2020, 02:23:56 PM
As of June, I've had 2 negative months and 4 positive months with a net positive change in net worth so far.  July looks to be another positive month so far.  I might even get back on track to my goal for the year.  I'm currently about a month behind target for the year.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: eyesonthehorizon on July 29, 2020, 09:19:30 PM
Thanks to aggressive deployment of spare cash during the dip I'm up almost 3x what I calculated I "should" be ordinarily over six months. Now the battle is finding a way not to simultaneously kick myself both for putting too much in too early and not putting enough in before the recovery. (This is why market timing is bad. You might turn a profit but it disturbs your mental calm anyway.)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: seattlecyclone on August 02, 2020, 11:28:36 AM
Our net worth isn't quite as high as its peak early this year, but it has recovered to surpass where it was when I FIREd a year ago. I'll take it!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Abe on August 03, 2020, 11:20:59 PM
We’re now net even with the peak, despite my wife going from full time to getting only occasional work. Withdrew bond funds to cover a few months’ of money, but we can reinvest most of that back soon. We’ve been overall quite fortunate through no investment skill of our own (other than not panicking, if that’s a skill...)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on August 03, 2020, 11:44:57 PM
We’re now net even with the peak, despite my wife going from full time to getting only occasional work. Withdrew bond funds to cover a few months’ of money, but we can reinvest most of that back soon. We’ve been overall quite fortunate through no investment skill of our own (other than not panicking, if that’s a skill...)
It's a highly valuable skill indeed ;-)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: blue_green_sparks on August 09, 2020, 06:26:56 AM
We are up around $25K this calendar year so far, however it looks like I may suffer permanent damage to my future income via Social Security just because I was born (prematurely, damn it) in the year 1960.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: FIreDrill on August 10, 2020, 09:46:57 PM
We are down about 24K YTD or -4.3%.  The portfolio is mostly vtsax but we have added a lot to it this year so far.  Buy the dip ride the rip right?

Update*

As of the end of July the NW is up 18% or 103k YTD.... Buy the dip ride the rip!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on August 12, 2020, 05:58:23 PM
I’m now up about $135k YTD.

Bit of a joke really. News headline this morning was “Stocks, unemployment, set to rise today”.

I feel like we are tiptoeing across a cliff surrounded by fog. Any moment now...
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Fru-Gal on August 13, 2020, 02:43:14 PM
Up about $170k NW from January 1.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Exflyboy on August 13, 2020, 03:23:06 PM
Up about $170k NW from January 1.

Nice.. I think we are roughly the same. If you think about this.. its $170k in 8 months for doing absolutely NOTHING!...Who does that?..:)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on August 13, 2020, 03:55:11 PM
Up about $170k NW from January 1.

Nice.. I think we are roughly the same. If you think about this.. its $170k in 8 months for doing absolutely NOTHING!...Who does that?..:)


Now up about $80.5K (after a dip).  What is this weird alchemy that turns time into $$?
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: obstinate on August 15, 2020, 02:18:59 PM
We are within dollars of reattaining our peak, despite a huge tax bill and significant ongoing spending on a kitchen remodel. Just makes me glad that I didn't try to time the market, even though it seemed self-evident that it was going to crash at the beginning of the crisis.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on August 17, 2020, 11:02:00 AM
One year ago I went on active duty with the military for a deployment. I'm almost home and still have a month of leave that will get paid out at the end. Looking at our net worth from a year ago it has increased about $60k. About $15k of that was tax free money going into a Roth TSP which will now grow tax free for the rest of my life. Pretty nice feeling. My military TSP account went from $11k to $41k in the last year.

I'll be able to collect a military reserve pension in about 25 years. With what I have invested now we could pretty much stop contributing and be ok by the time I hit 60.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Nords on August 22, 2020, 03:43:07 PM
About $15k of that was tax free money going into a Roth TSP which will now grow tax free for the rest of my life. Pretty nice feeling. My military TSP account went from $11k to $41k in the last year.

I'll be able to collect a military reserve pension in about 25 years. With what I have invested now we could pretty much stop contributing and be ok by the time I hit 60.
Well done, sir. 

That's practically Coast FI, and your other investments might only have to last until age 60.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on August 22, 2020, 04:03:56 PM
About $15k of that was tax free money going into a Roth TSP which will now grow tax free for the rest of my life. Pretty nice feeling. My military TSP account went from $11k to $41k in the last year.

I'll be able to collect a military reserve pension in about 25 years. With what I have invested now we could pretty much stop contributing and be ok by the time I hit 60.
Well done, sir. 

That's practically Coast FI, and your other investments might only have to last until age 60.

For now I'll keep contributing enough to get my TSP match but the rest will go towards saving to buy a business. If that goes well selling it could be enough to last until age 60 (59 and 3 months now with reduced retirement age from this deployment). 
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: evanc on August 24, 2020, 09:26:50 AM
Update: 6 months later, officially a net worth millionaire!

731,360 invested plus paid off home valued at 318,365 per Redfin (Zillow is about 7% higher, but based on recent sales, I think the more conservative Redfin estimate is more realistic).

As of today: $1,049,725.  Sticking to the plan, keep saving and I plan to retire in 5 more years. So close and yet so far lol

So many inspiring stories. Here's mine:

16: 346,143
17: 397,687
18: 414,661
19: 600,400

And today I'm at 660~ plus 300 in home equity (not included in above figures), so 2020 is shaping up to be the year of officially becoming a net worth millionaire. If you had told me that a couple of years ago when I started this journey, I would have thought it impossible. So fortunate and thankful to have found MMM and all you mustachians. You all rock!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: DadJokes on August 24, 2020, 01:00:27 PM
Appreciation on my investments this month was greater than my monthly expenses. That means I can safely retire, right? A 50% SWR is bound to be safe forever...
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Abe on August 24, 2020, 02:10:09 PM
Appreciation on my investments this month was greater than my monthly expenses. That means I can safely retire, right? A 50% SWR is bound to be safe forever...

Do it!
I had a similar thought yesterday. My appreciation covers the mortgage only, so I'd have to dumpster dive for my family. Ugh.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on August 24, 2020, 02:34:40 PM
Appreciation on my investments this month was greater than my monthly expenses. That means I can safely retire, right? A 50% SWR is bound to be safe forever...

Do it!
I had a similar thought yesterday. My appreciation covers the mortgage only, so I'd have to dumpster dive for my family. Ugh.

Not actually suggesting you quit your job but dumpster diving isn't really all that bad, honest. Picked up literally about 100lbs of groceries for free this week. Diving is one major contributor to our high-ish savings rate over the past 5 years. It is pretty incredible what gets thrown out. This year's big surprise was 20 x 18oz unopened bottles of extra virgin olive oil, not expired. Sells in the store for $5 each so I figure we are $100 closer to retiring now ignoring gains that will be made on that money saved. We routinely get boxes of not-too-ripe bananas, peppers, broccoli, and plenty of other food on the reg. We shop at the stores we dive at so they are still getting plenty of our business.

That said, I totally understand if people think it's not up to par with their eating standards. For us it feels like a triple win- reducing food waste, fun surprises that keep things interesting in the kitchen, and inching us closer to financial freedom.

But yeah definitely FIRE on more than your mortgage payment!!! :D
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: RainyDay on August 25, 2020, 08:27:51 AM
Not actually suggesting you quit your job but dumpster diving isn't really all that bad, honest. Picked up literally about 100lbs of groceries for free this week. Diving is one major contributor to our high-ish savings rate over the past 5 years. It is pretty incredible what gets thrown out. This year's big surprise was 20 x 18oz unopened bottles of extra virgin olive oil, not expired. Sells in the store for $5 each so I figure we are $100 closer to retiring now ignoring gains that will be made on that money saved. We routinely get boxes of not-too-ripe bananas, peppers, broccoli, and plenty of other food on the reg. We shop at the stores we dive at so they are still getting plenty of our business.

That said, I totally understand if people think it's not up to par with their eating standards. For us it feels like a triple win- reducing food waste, fun surprises that keep things interesting in the kitchen, and inching us closer to financial freedom.

But yeah definitely FIRE on more than your mortgage payment!!! :D

Where/how exactly do you dumpster dive?  Literally in the dumpster behind the supermarket?  I'm picturing spoiled meat...it's mid-summer!
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on August 25, 2020, 09:18:58 AM
Nope, not much meat actually. There is definitely some food that is spoiled more frequently in the summer, most of what we get is pre-packaged produce and doesn't touch the other food anyway. The dumpster also has side doors so it's not like one has to climb in and get all yucky. Yep, typically the ones right out next to the store... Our favorite has something akin to a 'privacy fence' around it, haha.


In the winter sometimes we do partake in meat and discarded frozen items (often still frozen or cold). But we try to be very, very careful and selective about it. No medium rare cooking on those items for sure. The only time DH has gotten food poisoning was from ham that was bought fresh from the store and eaten just before the stated expiry. Never had problems with the free pickins. But I wouldn't go so far as to say it's a totally safe practice.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on August 26, 2020, 04:36:04 PM
Ok, I broke my rule and checked my accounts today. Normally I only do that every three months. It looks like I’m basically even for the year. And I even bought a BRAND NEW CAR at the end of January, paid in cash. I have great timing on financial decisions.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Abe on August 27, 2020, 11:07:30 PM
Appreciation on my investments this month was greater than my monthly expenses. That means I can safely retire, right? A 50% SWR is bound to be safe forever...

Do it!
I had a similar thought yesterday. My appreciation covers the mortgage only, so I'd have to dumpster dive for my family. Ugh.

Not actually suggesting you quit your job but dumpster diving isn't really all that bad, honest. Picked up literally about 100lbs of groceries for free this week. Diving is one major contributor to our high-ish savings rate over the past 5 years. It is pretty incredible what gets thrown out. This year's big surprise was 20 x 18oz unopened bottles of extra virgin olive oil, not expired. Sells in the store for $5 each so I figure we are $100 closer to retiring now ignoring gains that will be made on that money saved. We routinely get boxes of not-too-ripe bananas, peppers, broccoli, and plenty of other food on the reg. We shop at the stores we dive at so they are still getting plenty of our business.

That said, I totally understand if people think it's not up to par with their eating standards. For us it feels like a triple win- reducing food waste, fun surprises that keep things interesting in the kitchen, and inching us closer to financial freedom.

But yeah definitely FIRE on more than your mortgage payment!!! :D

Our store heavily discounts things right before they're going to get rid of them (some gets sent to a food bank, produce is discarded). We've been stocking up on non-perishable food for various disaster prep reasons (next month we're moving to a place that got side-swiped by the hurricanes from a place that routinely catches on fire). That strategy and the overall cheaper food in Texas should bring our grocery bill down. I have to say that pre-packaged food is a huge drag on our grocery budget.

Anyway, back on subject - we're +3% from beginning of the year without buying anything. We're about to give a big down-payment so will have to subtract that from the books and end up -17%. It's not technically a loss since the house appraised for higher than we're paying, and we would have enough to buy a new house elsewhere in cash if needed. Overall definitely can't complain at all and am contributing heavily to charities from the paycheck bump.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: DadJokes on August 28, 2020, 01:15:44 PM
Appreciation on my investments this month was greater than my monthly expenses. That means I can safely retire, right? A 50% SWR is bound to be safe forever...

Do it!
I had a similar thought yesterday. My appreciation covers the mortgage only, so I'd have to dumpster dive for my family. Ugh.

Subtracting out contributions, my accounts have increased by:

401(k): 6.55%
Roth IRA: 10.58%
HSA: 6.95%

all in less than a month. Annualized, those returns are between 78.6% and 127%. That's crazy.

Is this the best month in the history of the market?
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: BikeLover on August 29, 2020, 03:47:40 AM
I'm up 20.4% since the beginning of the year. I guess that's a net decrease of -20%?

Subtracting out contributions made this year, up 12.6%.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: RWD on August 29, 2020, 01:05:31 PM
Is this the best month in the history of the market?
March 1933 was something like 11.2%. Probably other examples too.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on August 29, 2020, 06:54:34 PM
I'm up 32.5% (losing at the decrease game for 2020!!). Helps that I am at the early stages of my investing career and that I didn't blink at COVID in March/April. Continued contributing to my 401k and maxxed out my IRA. Thank you so much JL Collins for preparing me for 2020.

For actual dollar values- started out the year at 132k and am now at 176k. 100% stocks. DH not a fan of my aggressive investing strategy, it's a good thing we keep our finances separate, heh heh... He's sitting on 60k in cash and I die a little inside every time I remember that.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on August 29, 2020, 07:56:10 PM
I'm up 32.5% (losing at the decrease game for 2020!!). Helps that I am at the early stages of my investing career and that I didn't blink at COVID in March/April. Continued contributing to my 401k and maxxed out my IRA. Thank you so much JL Collins for preparing me for 2020.

For actual dollar values- started out the year at 132k and am now at 176k. 100% stocks. DH not a fan of my aggressive investing strategy, it's a good thing we keep our finances separate, heh heh... He's sitting on 60k in cash and I die a little inside every time I remember that.

He's going to end up with $40k cash. Because the moment he gets convinced "oh ok... you were right all along, I'm going to go buy stocks" is the moment the markets will tank 30% again and he'll sell out after looking at the sea of red and say "see, I told you so."

Please warn us in advance.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: amberfocus on August 30, 2020, 07:18:51 AM
This year has been a wild ride. And it ain't over, yet.

LNW since 2015 --

(https://docs.google.com/spreadsheets/d/e/2PACX-1vQreJopxvk0n77RDQnDWwSwRlUgZ_h093lQAMF5f1t1L8Gk_PnUb8nR7TTEk-f_KaLVQsVkCd77EaBr/pubchart?oid=1487094620&format=image)

(I consider the blue line my 'real' number. The red is just phantom money until I convert it to the blue.)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on August 30, 2020, 11:42:14 AM
I'm up 32.5% (losing at the decrease game for 2020!!). Helps that I am at the early stages of my investing career and that I didn't blink at COVID in March/April. Continued contributing to my 401k and maxxed out my IRA. Thank you so much JL Collins for preparing me for 2020.

For actual dollar values- started out the year at 132k and am now at 176k. 100% stocks. DH not a fan of my aggressive investing strategy, it's a good thing we keep our finances separate, heh heh... He's sitting on 60k in cash and I die a little inside every time I remember that.

He's going to end up with $40k cash. Because the moment he gets convinced "oh ok... you were right all along, I'm going to go buy stocks" is the moment the markets will tank 30% again and he'll sell out after looking at the sea of red and say "see, I told you so."

Please warn us in advance.

The weird thing is, I don't think he has any plans to even try to put any of it in the stock market. When asked about why he is carrying so much cash he refers to the fact that he owns two houses (one jointly with me, the other is rented), so there are probably 2-3 major repairs in our future like replacing both roofs, potential of losing renters, water heater explosion, ... He also seriously thinks that if we get COVID we could become totally incapacitated and max out our insurance OOP and wants to be ready for that. Direct quotes: "I need 50k+ on hand in case all goes to hell". "If the market drops 30% again, sure, I'll invest a teeny bit of it." "I'm not going to throw that money into overinflated stocks right now." I've tried my best y'all... maybe in another 10 years he'll believe me when I say that's way more than we need available at any given time.

To his credit, he hasn't STOPPED investing in stocks, he just feels safer with maintaining that level of cash. I guess that's his level of risk tolerance. Drives me up a wall though.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on August 30, 2020, 11:43:20 AM
This year has been a wild ride. And it ain't over, yet.

LNW since 2015 --

(I consider the blue line my 'real' number. The red is just phantom money until I convert it to the blue.)

That's incredible amber! Major congrats on your progress. I love your chart.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: amberfocus on August 31, 2020, 10:25:58 PM
This year has been a wild ride. And it ain't over, yet.

LNW since 2015 --

(I consider the blue line my 'real' number. The red is just phantom money until I convert it to the blue.)

That's incredible amber! Major congrats on your progress. I love your chart.

Aww, gee, thanks! :) Making that was my, ahem, weekend project. (WHO YOU CALLIN' A NERD, EH??!)

Also, your DH sounds exactly like my SO, who also hoards cash and thinks disaster is lurking around every corner, LOL. But whenever I start getting annoyed, I just think: "Well, better that, than the alternative -- a cash spender who thinks they're invincible," right?
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: kendallf on September 02, 2020, 07:21:09 PM
I found MMM in late 2012 and started tracking things seriously in Mint soon after.

Jan 2013: ~250k
Oct 2017: ~720k

Dec 2018: ~818k.  Down about 80k from September but I'll take it!  My wife's accounts are not included here and she had a great year with some work stock and cash bonuses.

I have felt like I was just treading water this year with some expenditures ratcheting up.  Good to look at this and realize how fortunate we really are.  I still need to stop eating out so damn much!

I was just thinking about this thread and couldn't remember my old numbers, so I came back to look it up and post again.  This has been an interesting year, but we are (still) stupidly fortunate.  I joined the 2 comma club in the TSP last week, and overall:
Sep 2020: ~$1.24M. 
This may be the first year where our overall good fortune leaves me feeling nervous like a French aristocrat shortly before the revolution: the world's going to hell in a handbasket, and we're doing better than ever.. who do I even tell?  Mostly joking...mostly.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Abe on September 03, 2020, 09:09:50 PM
Looks like the "financial press" is at it again. The SP500 goes down 3.5% and they are losing their minds about some impending catastrophe. Nevermind it's higher than pretty much any time ever except the last week.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: Zaga on September 04, 2020, 06:02:47 AM
Looks like the "financial press" is at it again. The SP500 goes down 3.5% and they are losing their minds about some impending catastrophe. Nevermind it's higher than pretty much any time ever except the last week.
I'm glad it's down, right now it's insanely high and it's been worrying me.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Dr Kidstache on September 05, 2020, 09:52:48 AM

This may be the first year where our overall good fortune leaves me feeling nervous like a French aristocrat shortly before the revolution: the world's going to hell in a handbasket, and we're doing better than ever.. who do I even tell?  Mostly joking...mostly.

Totally! I feel perversely relieved whenever the stock market goes down. The disconnect between my investments and the more generalized economic suffering is really getting to me.
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: imctkh on September 25, 2020, 02:48:44 PM
My progress for the year.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on October 01, 2020, 06:30:11 AM
Quietly just gonna revert the topic thread title back to increase for 2020. I’m gonna finish the year +$200k assuming markets stay flat from here.

Proof positive that the financial world is totally disconnected from reality.

I can see the merits of that comment about being French just before the guillotine drops.... something nasty should have happened by now.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: FIreDrill on November 12, 2020, 05:08:03 PM
Quietly just gonna revert the topic thread title back to increase for 2020. I’m gonna finish the year +$200k assuming markets stay flat from here.

Proof positive that the financial world is totally disconnected from reality.

I can see the merits of that comment about being French just before the guillotine drops.... something nasty should have happened by now.

Good call! Lol

So far our NW is up around 32% YTD or 182k... Buying the dip has never been more rewarding than this year for our NW growth :)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on November 12, 2020, 05:19:18 PM
I am at a personal high NW (I am retired so now longer in accumulation phase).
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on November 13, 2020, 01:13:38 PM
Up 44% this year so far. Most of that has been contributions. Managed to save about $30k during my deployment and then another $10k or so of growth. Now that I'm firmly over the $100k mark starting to see growth making more of a difference than contributions.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sugaree on November 13, 2020, 01:20:01 PM
Unless the market shits the bed between now and New Year's, I should have gone from ~$91k to ~$146k.  That's about 60%, which seems huge, but I went from $49k to $91k in 2019, so it's a smaller percentage gain than last year. 
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: kei te pai on November 14, 2020, 02:02:12 AM
Its weird, I keep spending money (car, curtains, appliances) but my NW keeps going up. Its uncomfortable and feels ominous.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: StachingforLife on November 14, 2020, 06:21:52 PM
We learned about retiring early last October when our NW was at 12k. We then decided to go all in on our FIRE journey and today our NW is 123k. We're up 86k so far in 2020. We'd hoped to be up 100k by the end of the year and we would have easily done it if we hadn't needed to replace our roof. But our projected NW increase for 2020 should be around 95k which we're still super happy with!
I remember when we began a year ago and feeling so crap about our 12k NW. So many people that I read about were in the hundred k's. But now we're there too! And we'll keep on staching :)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on November 14, 2020, 06:36:34 PM
Despite regular expenses like house payments, utilities, insurance, and groceries, I'm up 60k for 2020, which is almost my gross salary! Started at 132k and currently at 192k, so that's a 45% increase so far. And that is with making house payments, utilities/insurance, groceries, etc.

It doesn't *feel* like my NW has increased that much because
1) I have not submitted to lifestyle inflation,
2) I was close to 200k before a big DP for our house in '19, and
3) it's all tied up in retirement accounts that I don't plan on touching/converting for another 10+ years.

Still, knowing that I'm almost 20% FI is exciting! I hear it gets closer faster and faster. For my mental health's sake, I really hope that's true. It's taken a lot of my energy to get to this point.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: obstinate on November 22, 2020, 10:32:52 PM
It's so funny how this thread starts back up earlier and earlier each year. I'll check back in a month. :)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Freedom2016 on November 24, 2020, 08:15:14 PM
Our net worth is up 25% from 1/1/20. This seems nuts given that our household income is down 30% compared to last year due to COVID.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Accrual on November 25, 2020, 09:48:59 AM
Including retirement contributions, NW is up $77k for the year.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Jack0Life on November 29, 2020, 10:22:54 PM
Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Freedomin5 on November 30, 2020, 06:24:41 AM
Our net worth has increased by 26% in the past 12 months. It’s a bit heady.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: ender on November 30, 2020, 06:54:21 AM
We're "only" up 17% for net worth.

But that includes buying a house and the way I calculate it is that I put the house at something like 92% of purchase price in our net worth calculations, to account for commissions.

Overall investment amounts are up 20% including growth and additional contributions which is what matters, I guess.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 02, 2020, 10:01:54 AM
The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 02, 2020, 10:07:00 AM
Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sandi_k on December 02, 2020, 12:59:43 PM
The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 02, 2020, 08:10:50 PM
The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.

Why would you exclude contributions from your net worth calculation?  You’re talking about your personal rate of return.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Abe on December 02, 2020, 11:41:56 PM
Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.

I agree. If you feel like something is going to drop on you, then you need to have less volatility. Other than the spring blip, this isn't even that crazy volatility, historically. Look at https://www.macrotrends.net/2526/sp-500-historical-annual-returns  and https://www.macrotrends.net/2603/vix-volatility-index-historical-chart
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Jack0Life on December 02, 2020, 11:58:27 PM
Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.

Yeah Index funds mostly VFIAX and VTSAX.
I've been shuffling the funds more often this year than past years.
Pretty happy with the returns so far this year so just the past couple of days, I've been moving to funds out.
Just moved $60k into bonds so its 85/15 right now. I will probably end up 60/40 by Dec 21st when Tesla is added to the SP500. Curious to see what will happened.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sandi_k on December 03, 2020, 12:28:43 AM
The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.

Why would you exclude contributions from your net worth calculation?  You’re talking about your personal rate of return.

I don't exclude contributions from net worth calcs. I *do* exclude them when calculating investment growth. I am not a Beardstown Lady.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: obstinate on December 14, 2020, 10:40:14 AM
Are up 20% from $absurd to $absurd + 20%. If you exclude the cost of our nanny, which I'd argue you should, we are well past our financial independence mark.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: DeniseNJ on December 16, 2020, 06:47:00 AM
At the start of the year we had about 500K. I was so happy to make the half mil mark. Then covid and it dropped like a stone and I stopped checking it since the balance was in the low 400s and not sure how low it went. But we kept up our contributions and I scrapped together everything I could to invest even more. With our contributions to our tsp and 403b (no match on that--grr) we now have about 650K!!! We only put in about 40K over the last year but we're up more than 200K!

When the market drops dh doesn't want to invest and says we should be careful to have cash handy. I scape together everything I can and buy more. It always pays off.

And since going MMM a few years ago, we've doubled our NW, live well within our means, contribute the max to retirement funds and pay for two state tuitions.  I don't know what we would have done now with the kids in college if we hadn't found MMM! Thank you all so much!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: dignam on December 16, 2020, 09:04:37 AM
Not including gf's $, my NW is up about 26% this year, or a gain of about $60k.  Currently 95/5: index funds/bond funds.  Started rebalancing this year and will make an adjustment toward bonds next year.

Also started playing around with brokerage since I've maxed non-taxable accounts.  Three weeks ago, started with $10k, up to about $10.5k in that account just doing very short term stock and options trades.  Learning tons along the way and having fun doing it.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: iamababypiggy on December 16, 2020, 12:30:12 PM
1/1/2020 7.4mm
12/16/2020 9.2mm


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Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: couponvan on December 16, 2020, 01:43:30 PM
1/1/2020 7.4mm
12/16/2020 9.2mm


Sent from my iPhone using Tapatalk
Troll.
Title: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: iamababypiggy on December 16, 2020, 02:07:47 PM
1/1/2020 7.4mm
12/16/2020 9.2mm


Sent from my iPhone using Tapatalk
Troll.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Chrissy on December 16, 2020, 02:40:26 PM
Hey, Baby Pig!  I see you found that $1M I dropped awhile back.  Thanks for holding onto it.  I'll come over tonight to grab that from ya.

Seriously, though, I hope you're already retired.  That Tesla money?  Bitcoin?  Just wondering.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Blissful Biker on December 16, 2020, 03:00:08 PM
Our TNW is up 12.3% for the year.  Makes me happy!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: iamababypiggy on December 16, 2020, 03:18:15 PM
Hey, Baby Pig!  I see you found that $1M I dropped awhile back.  Thanks for holding onto it.  I'll come over tonight to grab that from ya.

Seriously, though, I hope you're already retired.  That Tesla money?  Bitcoin?  Just wondering.
Neither. I only have 4K in BTC. I don’t own Tesla, I mainly mutual funds. Not retired.


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Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: dandarc on December 16, 2020, 03:23:29 PM
. . . Not retired.
Out of curiosity, why not?
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: iamababypiggy on December 16, 2020, 03:48:18 PM
. . . Not retired.
Out of curiosity, why not?
Kids still in school. I enjoy working, I would be bored and depressed if I were retired. After about a month I think I would be ready to get back to work. I’m in my 40s


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Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Metalcat on December 16, 2020, 06:08:49 PM
. . . Not retired.
Out of curiosity, why not?
Kids still in school. I enjoy working, I would be bored and depressed if I were retired. After about a month I think I would be ready to get back to work. I’m in my 40s


Sent from my iPhone using Tapatalk

Are you the same guy who was around not long ago before under another username? I believe he was in his 40s and married. He talked about staying at work despite not needing to, IIRC said he had close to 8M?
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: iamababypiggy on December 16, 2020, 07:00:17 PM
Nope.


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Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Metalcat on December 17, 2020, 06:39:09 AM
Nope.


Sent from my iPhone using Tapatalk

Oh good, because he went around shitting all over early retirees and basically told everyone here that they're boring because they're not rich enough to do interesting things.
It wasn't a good look.

Welcome to the forums, I personally don't assume you aren't telling the truth about your NW because it's not like it's an unrealistic number, it's just not all that common here, at least not that common for people to share. I'm sure there are a few other 5-10M folks hiding around here who just stay quiet about it.

Congrats on the NW jump in 2020.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Gatzbie on December 17, 2020, 10:18:28 PM
12/31/2019 -- $126,169.78  --->  12/31/2020 $214,245.98

Been in 100% VSTAX & continued buying through the corona dip.

$88,076.2 (69.8% NW increase)...wow never bothered to look until I saw this thread. Incredible. Growing strong.

*This includes my investments only.

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on December 18, 2020, 10:21:07 AM
https://www.mrmoneymustache.com/2014/11/11/are-you-giving-the-shaft-to-your-future-self/

For those wondering, the inspiration for this thread way back in 2014 came from that MMM blog post. I really really like that one, resonated well with me about my past self giving my future self a gift.

13-15 years ago I started making life and financial decisions that have got me to present day with no real prospect of having any financial worries or a situation that I couldn't adapt to.

Not having to worry financially about the next 15, 20, 50 years... you can't put a price on that.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: MM_MG on December 19, 2020, 12:17:57 PM
Nice rebound at the end of the year.   I had to revisit to see if all the doom and gloom came true for 2020...

 Retirement            Date            Difference
     $51,225           12/31/05   
     $80,038           12/31/06       $28,813
   $106,744           12/31/07       $26,706
   $103,124           12/31/08      -$3,620
   $162,173           12/31/09       $59,049
   $218,666           12/31/10       $56,494
   $249,987           12/31/11       $31,321
   $320,337           12/31/12       $70,349
   $435,650           12/31/13       $115,313
   $518,275           12/31/14       $82,626
   $603,958           12/31/15       $85,683
   $746,482           12/31/16       $142,524
   $979,476           12/31/17       $232,994
$1,148,530           12/04/18       $169,054
$1,395,539           12/06/19       $247,009
$1,606,965*         12/19/20       $211,426*

*Could be as high as $1,707,789 and $312,25 difference, but I can't find the spreadsheet I used to create this tracker and I can't remember exactly what accounts I included/excluded. #mmmproblems   
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Freedomin5 on December 19, 2020, 02:59:02 PM
Our TNW is up $275k this year — not too shabby. About half came from income; the other half from investments.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on December 19, 2020, 03:27:39 PM
I try not to pay too much attention to our account balances. However, DH just mentioned that our primary account grew by $10k in one day. This shit works, man. I never earned $10k per month back when I was a working stiff. Keeping my fixed rate mortgage and investing all I could was the ticket. Wowza!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 19, 2020, 06:51:51 PM
I try not to pay too much attention to our account balances. However, DH just mentioned that our primary account grew by $10k in one day. This shit works, man. I never earned $10k per month back when I was a working stiff. Keeping my fixed rate mortgage and investing all I could was the ticket. Wowza!

And days in the other direction are good opportunities to practice detachment. I think there was a day this year where my balances dropped by about a half-year’s worth of spending. It felt pretty good to realize I could see that drop and not worry (too much!)
Title: Re: Net worth decrease 2020 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 19, 2020, 08:51:05 PM
We're fluctuating between $200,000 and $270,000 down from the start of the year.  1% up or down in the S&P 500 index gives roughly a $10K change.  That's handy 'cause I can know about where we are without having to actually check our balances, all I have to do is check the S&P 500 YTD %.

What a difference a few months make.

We're up ~$77,000 since the start of the year.   Our annual passive income is up $24,000 and expenses are down ~$32,000, so we're in a much stronger financial position.   If we stay within budget we no longer need to withdraw anything from our portfolio AND that's with upping our charitable contributions by $12,000 a year.

My only regret is that our country did such a piss-poor job of handling this epidemic, so well over 300,000 people died who shouldn't have, countless others will have long-standing health issues, and many have been financially harmed or ruined.   It's shameful and embarrassing for our country to have done so poorly.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: okparallax on December 19, 2020, 11:01:50 PM
To say we are incredibly fortunate would be an understatement.
All in all 2020 was a pretty great year for us so far financially. Just a matter of sticking to the plan and not panicking.

Net worth
Jan 1, 2020  = 736,000
Dec 19, 2020 = 1,026,000

Up 290, 000 so far.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 20, 2020, 04:35:21 AM
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.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sandi_k on December 20, 2020, 11:26:00 AM
Ten more days in the year, and we've done well, even with 2020 being craptastic in so many other ways.

Investment returns are up 13.84% this year, not including contributions (no Beardstown Ladies' accounting here!).

Net Worth: Up $243k over 2019, including house equity, investments, cash value of my pension, plus cash and personal property.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Engineer93 on December 21, 2020, 06:29:14 AM
January 2020: 625k
December 2020: 830k
Increase: 205k

Hard to believe!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: couponvan on December 21, 2020, 11:24:31 AM
Nope.


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Oh good, because he went around shitting all over early retirees and basically told everyone here that they're boring because they're not rich enough to do interesting things.
It wasn't a good look.

Welcome to the forums, I personally don't assume you aren't telling the truth about your NW because it's not like it's an unrealistic number, it's just not all that common here, at least not that common for people to share. I'm sure there are a few other 5-10M folks hiding around here who just stay quiet about it.

Congrats on the NW jump in 2020.

I apologize for my troll comment-I was having a bad day. Post #1 with those numbers on this site are “unusual” for sure. Welcome and congratulations on a good year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: actionjackson on December 22, 2020, 06:11:39 PM
Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

End 2017: $385k

Moved country, and set up a new house, which was spenny, and wife was out of work for a few months after the move. Next year should see us get to $500, provided market is flat or up.

Didn't update this thread last year. Clearly I made the $500k goal I was hoping for.

End 2018: $531k (+146)
End 2019: $700k (+169)

Looking back, it's crazy to think that I have been doing this for 5 years now. This year will be a bit tougher as we now have a +1 dependent, but hoping to hit the $1M by end of 2021.

End 2015: $222k
End 2016: $299k
End 2017: $385k
End 2018: $531k (+146)
End 2019: $700k (+169)
End 2020: $802k (+102)

The financial markets and an addition to the family made it more challenging this year to post the kind of gains from 2018/19, but next year is looking promising from a contribution perspective. If we have a big year in the market, might crack the $1M in 2021, will see.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: jmechanical on December 24, 2020, 06:49:40 AM
December 2014 - $62000
December 2015 - $91000
December 2016 - $134000
December 2017 - $192000

I am 29 years old. Not quite as badass as MMM himself, but I am making progress.

I have not updated this in a while, I'm now 32 years old.

December 2014 - $62,000
December 2015 - $91,000
December 2016 - $134,000
December 2017 - $192,000
December 2018 - $213,000
December 2019 - $319,000
December 2020 - $393,000

I'm consistently around 35% savings rate, always maxing out a traditional 401k and Roth IRA with some extra going to taxable. In 2020 I also bought a townhouse (my first home) and have about $10k in equity in it, but have not included that in the numbers above.

It's a long slow slog, but as noted years ago I'm making progress. I should hit $500k by 35 years old. A million by 40 might be a stretch, who knows.

I'm still single, not sure if I'll ever start a family, but at least I've got this going for me :)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: TempusFugit on December 24, 2020, 03:47:18 PM
+245K in CY 2019

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

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

About 60K of that is contributions by me and my employer, so once again the stash has made more money for me this year than employment. Even if I include my employer sponsored health insurance, my little green workers still made more money this year than I did from working.  That's pretty cool.  It doesn't always work out that way, of course (looking at you, 2017).   
 
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on December 24, 2020, 04:15:47 PM
2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k
2018 - $1,176k
2019 - $1,330k
2020 - $1,588k (+$258k)

It's been a whopper of a year, and I haven't even revalued the property that I bought back at the start of the year. Given the state of the Sydney market, there's several tens of thousands of further gains to be had (I might just do the old accounting trick of saving those gains for next year, seeing how well things have gone for 2020).

Roll on 2021!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: G-dog on December 24, 2020, 04:36:02 PM
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 (the value of which is not going to change drastically)

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/2015
12/20/16: about $1,150,000 (excluding house)
12/30/17: about $1,333,000 (excluding house)
       Using the actual numbers - up about $184K in 2017.
1/2/19: 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.

Placeholder for 2020 numbers - another week. God knows anything could still happen this year!

UPDATE:
1/1/2021: $1,933,000 - WUT? 
-  Up about $313K
-  Up over $820K since retiring 7/2015
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: ciderwave on December 28, 2020, 10:37:28 PM
My "one spreadsheet to rule them all" sheet says:


I "realized" about 100k of equity in the house as part of a finance. Didn't take cash out because the rates were much better without.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: BobTheBuilder on December 29, 2020, 05:43:04 AM
After a long pause, I did my bookkeeping againg.
Got C-19 in March (mild one, no relevant pre-existing conditions), separated from my SO in June, changed job, moved within the country to another city, an here I am still standing.

With 53k instead of 21k a year ago.

2020 was a shitshow, at least until late November, for me personally, and I know others had it way worse. Be gone, 2020.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: StarBright on December 29, 2020, 07:20:18 AM
The engine of money is astonishing.

In January 2016 (when I started focusing on FIRE for myself) we had just over 125k in retirement savings. That is also the year StarHus started his full time career.

In January 2020 we were at around 440k and as of a few days ago we were at just under 550k (not including home equity).

What is even crazier to me is that I've never managed to max my 401k (though I've come close a few years). The only "strategy" we've had is to try and squeeze a bit extra to throw into the market during obvious drops and we've never pulled money out.

I've been saving steadily since I was 17 years old and it is wild to me how the savings took off with several years of a good market, hitting the hundred k threshold, and having two incomes.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on December 29, 2020, 07:27:45 AM
After a long pause, I did my bookkeeping againg.
Got C-19 in March (mild one, no relevant pre-existing conditions), separated from my SO in June, changed job, moved within the country to another city, an here I am still standing.

With 53k instead of 21k a year ago.

2020 was a shitshow, at least until late November, for me personally, and I know others had it way worse. Be gone, 2020.

That’s a tough year @BobTheBuilder - glad you are still standing.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 29, 2020, 05:07:31 PM
Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)     +13,140
Dec 31, 2014    $2,833        +22,995
Dec 31, 2015    $13,330      +10,497
Dec 31, 2016    $75,494      +62,164 **
Dec 31, 2017   $106,827      +31,333
Dec 31, 2018    $125,811     +18,984
Dec 31, 2019   $221,500      +95,689 **

Bit slower then many on here; but started late and in BIG HOLE of debt.  We've made it through the "daycare years" with both our kids and re-fied our consumer debt into a more manageable longer term lower rate second mortgage. Also crossed into 6 figures invested this year and they say the first $100K is the hardest. So I am pretty confident and optimistic for the next decade :)

** years in which I updated and bumped up our home value, in reality it was more linear/averaged out over the other years as well.

Dec 29, 2020   $267,000   +$45,500

On the one hand it's lower than last year. But on the other hand it's the largest increase we've had in a  year in which I didn't up my Home value.

We also refinanced our house (twice) this year which had some closing costs and small cash back/escrow reshuffling to where we basically broke even on debt balances this year; so the whole $45K increase was pretty much retirement accounts.

Onward to 2021 :)

Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.

Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 29, 2020, 09:13:45 PM
...
Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Abe on December 29, 2020, 10:56:58 PM
About even as we withdrew money due to temporary unemployment from covid shutdown and a move. Also bought a house and consider that net even. Good news is with the new job, our projected savings for next year is a quarter of our total savings so far! On course for FI by 2026!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Faramir on December 30, 2020, 03:40:05 AM
Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   

I didn't realise I hadn't updated this thread annually.  US$ used.

end 2017: $660K    +$174K
end 2018: $630K    - $30K   (NW increased in NZ$ but not in US$ due to currency fluctuation)
end 2019: $681K    +$51K
end 2020: $842K    +$161K (big increase due to NZ$ gains vs US$, probably thanks to NZ covid response)
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 30, 2020, 12:34:55 PM
...
Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)

Thanks!

Ha!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Fish Sweet on December 30, 2020, 07:33:02 PM
As of 12/30/20, I am up 28k in NW from the first of this year, for a total of about 256k.  I've had years with a much higher increase, but it's pretty fucking amazing for 2020, a year in which I left my FT job and ended up relying wholly on my crafting income, paid for all my own health insurance, endured expensive prolonged family illness (hospital parking was $28 fucking dollars a day, can you believe that shit?), paid for half of my sister's tuition, and of course went through the ongoing COVID pandemic like the rest of the world.  And also depression-purchased a lot of random things, not gonna lie.

It really just serves to drive home how fucking fortunate I am, and also how effective saving + investing is.  Past!Fish Sweet worked hard and saved hard and endured so that present!Fish Sweet could have a little breathing room in this awful, awful year, and I'm very grateful for that.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: ItsALongStory on December 31, 2020, 01:59:16 AM
2020 was quite the incredible year for my SO and I.

We set off with the following plan:
- look for internal job transfer and move from US to Europe
- continue targeting the firehose towards FIRE in 3-5 years

Instead we totally switched it up:
- failed to get that internal transfer
- talked it through and decided to go forth with mini-retirement (for me, SO has been retired for years) anyway
- sold our house, cars & most belongings
- moved to Europe in September with a plan to slow travel throughout the continent

Financially it was a tremendous year as we invested the proceeds from our house sale. We missed the biggest dip but still benefited a lot from maxing out 401k/HSA/IRAs early.

1/1/20: $264k invested + about $200k estimated home equity
12/21/20: $700k invested for an increase of $236k which is absolute madness!

No more money is getting added to the stash currently so things will certainly slow down but we're so fortunate for what 2020 brought us despite all of the crap the world has had to deal with.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: philli14 on December 31, 2020, 11:12:11 AM
Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304
Jan 1 2021: $203,920

Unbelievably thankful and grateful!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on December 31, 2020, 02:33:22 PM
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)

I saved $60,500 and the rest is (holy wow) market gains. Lower savings than previous year. I added a fancy condo to the fancy car.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: midwesterner1982 on December 31, 2020, 03:24:33 PM
Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000
Dec. '19:  $651,000
Dec. '20:  $854,000
Another great year of savings and market returns.  Looks like we should add a comma in '21.  Amazing to see everyone's success!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 31, 2020, 04:26:03 PM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.

December '18 - $651,778 ($123,244, 23%)

We did well on contributions, but our conservative estimate of home equity is down and investments were a mixed bag.

December '19 - $799,312 ($147,534, 23%)

We're up more than that for the year, because I reported last December before the year end dip.  It's amazing to look back and see all the progress we've made.

December '20 - $1,115,691 ($316,379, 40%)

We broke the million mark through a combination of aggressive contributions and market gains.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: salt cured on December 31, 2020, 06:01:25 PM
Hit $750k for the first time yesterday. Up 43%/$229k for the year with a savings rate of 76%.

With only 19 months left on my work contract, I need to start planning what my next life looks like.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 31, 2020, 06:31:08 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: ScreamingHeadGuy on December 31, 2020, 07:10:21 PM
Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome! 
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 31, 2020, 07:29:03 PM
Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Yep! I’m going to go back to work after not working for three years. I just realized my net worth went up by almost exactly what I asked for as my annual salary.

And I was at least 5 or 6 years into my professional career before my salary matched my returns this year.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: McStache on December 31, 2020, 07:34:38 PM
2013 - $10,000?
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830
2018 - $317,638
2019 - $441,666
2020 - $574,853

Crossed the half million mark this year! The market made more than I contributed this year - 62k me + 71k market = 134k total
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Weisass on December 31, 2020, 07:37:38 PM

2018: $488k
2019: $759k
2020: $830k

Looking forward to a good 2021!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Half Stached on December 31, 2020, 08:05:58 PM
2020 EOY: 2383K
2019 EOY: 2122K (retired in March)
2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

It's crazy to see this kind of appreciation during a year like this...
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: MrsCoolCat on December 31, 2020, 10:59:46 PM
I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(


1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).


Sent from my Pixel 2 XL using Tapatalk

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Holocene on January 01, 2021, 12:13:27 AM
I updated my spreadsheet today.  My liquid net worth is now $905k.  I don't bother to really track home equity but that's probably another 100k or so.  Up $187k from last year which is absolutely crazy considering the year we had.  I track my assets monthly, so in April, I was at $578k (-$140k since Jan 1).  Things were not looking good at the time and I was convinced that my FIRE date (2022) would probably need to be pushed out since I was sure we'd be in a recession for a few years.  Now I'm basically at my FIRE number.  What a crazy year.  I've never tried to time the markets, but this has really convinced me not to try.  I thought for sure markets would stay low what with large swaths of the economy being shut down.  They've definitely proven me wrong but I won't complain.  Glad I didn't listen to all the noise as things were crashing.

It's been a tough year for most of us, but I'll admit I've had it much easier than many.  I'm grateful for so much, especially my health and not needing to stress about money in this time when so many are.  I honestly didn't expect my NW to increase this year.  I was just happy to have a roof over my head, a safe job, and financial security to make it through some rough times.  Congrats to everyone who made progress in 2020 and for making it through a tough year.  Here's to hoping 2021 is a little kinder to us all.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 01, 2021, 01:53:45 AM
Investments only, solo journey (so far)

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)
January 2019          356500        +124500   (Sale of condo +60k, total of 144k invested)
January 2020          500000        +143500   (Change of location significantly decreased income by almost 28k)
January 2021          660000        +160000   

No major changes this year (other than the entire world around me).  I made only around 1k more this year and spent around 2k less than last year.  I saved around $63500 and the rest was all market gains.  It is still insane to me that after such a short time that my money makes more than I do.  I just hope that this year is better than last year in all ways.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on January 01, 2021, 04:09:44 AM
Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on January 01, 2021, 04:13:59 AM
Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Amazing! Reminds me of the Buffet graph that shows he made more in a couple of years in his 80s than his entire life to 79.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 01, 2021, 06:40:58 AM
2015: $333,176
2016: $427,947 (+$94,771)
2017: $628,029 (+$200,082)
2018: $718,610 (+$90,581)
2019: $1,030,547 (+$311,937)
2020: $1,355,244 (+$324,697)

I knew our NW would be up this year but I honestly didn't realize by how much. It's especially shocking seeing as my husband and I were reduced to 80% time (and pay) for half of the year plus I was out on unpaid maternity leave for about 4 weeks. This is bonkers.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Queen Frugal on January 01, 2021, 07:59:32 AM
I'm still at the beginning of my FI journey but I am pleased with my progress for 2020.

Looking back at my numbers for the year, I was down 21% at the end of March. What a year.

2018: $   67,326
2019: $ 116,757 (+49,431)
2020: $ 169,634 (+52,877)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: NotJen on January 01, 2021, 08:23:32 AM
Year End          NW            NW change
  2014     $   426,858.76   
  2015     $   480,051.14     $  53,192
  2016     $   573,296.77     $  93,246
  2017     $   738,621.46     $165,325
  2018     $   765,895.59     $  27,274
  2019     $1,007,273.79     $241,378
  2020     $1,205,500.96     $198,227

I did not add to my investments at all this year, so the increase seems a little nuts (though I did have a well-timed rollover that made me $41k, so there's that).  I do include my home value in my NW, but I've kept it constant all these years.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: foghorn on January 01, 2021, 08:53:54 AM
1-1-20 = $3,156,875
1-1-21 = $3,582,867

Change = +$425,992

If I added the value of the house (paid for - about $350,000) - I broke over Total NW of $3,900,000 as of today.

Considering what a shit show 2020 was, I am finding it very hard to complain about anything. 
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Chrissy on January 01, 2021, 09:07:00 AM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M

That's $194k of growth in savings & investments, and $9k in additional home equity this year.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Optimiser on January 01, 2021, 10:11:40 AM
12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128
12/31/2017: -$30,801   2018 could be the year we get back to black
12/31/2018: -$202 So close!
12/31/2019: $37,161 Feeling a slight tailwind kick in
12/31/2020: $110,648 Sold my house, passed the CPA exam. Curious what 2021 holds.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Nate R on January 01, 2021, 10:32:49 AM
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 -- Increase of 71K or 22%.

Changes this year: Did a TON of home improvements on our 1921 duplex. (Had a LOT of deferred maintenance when we bought it, catching up on some of that now.) Our downstairs tenants moved out, and ended up spending money unexpectedly inside that unit as well as what we already had planned. New backyard fence, central AC installed in both units, jacked up and rebuilt our garage walls and resided it, new front and back doors on the house, replaced 16 of the house windows. New laundry appliances, fridge and dishwasher for our tenants. Resided one side of the house, doing the other 3 in 2021.
Refi'd our 1st mortgage and rolled some of these expenses into that.
 Also started building our dry cabin this fall, before our building permit expires. Slab was poured in 2019, got our exterior framing and sheathing up, and roof on. Hooked up to electrical grid, and windows and doors are getting delivered this week.

2021 plans: Finishing house residing project, get the gutters replaced, and then more work on our cabin. On the cabin, hoping to get the windows, doors, skylights and wood stove/chimney installed, electrical finished and insulated.

We've been EXTREMELY lucky this year. We both still have our jobs, got some great new tenants downstairs, and enjoying the increased utility of the home improvements. (Like a dry garage, and being able to open windows in the house! No health issues on our end this year, and we were able to take a fantastic trip in January. We had some intense last few years with work, school, and home projects, so we've been able to start reaping the payoffs from that work.

So our debt actually increased this year, but still saved plenty, increased our giving, and our investments did fantastically well. To have another big NW increase in a year like this with spending like we had, AND the pandemic effects....I'm amazed.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: fattest_foot on January 01, 2021, 10:39:03 AM
2014: $97k
2015: $129k (+$32k, 32%)
2016: $205k (+$76k, 59%)
2017: $318k (+$113k, 54%)
2018: $366k (+$48k, 15%)
2019: $557k (+$191k, 52%)

2020: $784k (+$227k, 41%)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: zygote on January 01, 2021, 11:26:46 AM
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)

I got an unexpected large cash gift at the end of the year, so that helped a lot. Otherwise, I invested about the same amount as I did in 2020. But even without the gift, my net worth increased more this year than last. Crazy how much the market went up in the face of a pandemic, and how much I'm already starting to see that compound interest at work.

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 01, 2021, 11:43:17 AM

12/16 $1.31
12/17 $1.49
12/18 $1.59 college and cancer combined with selling a house, a fancypants Tesla M3, and meh stock returns. YOLO is strong in the face of your own mortality. I’m on a “smoke break” from work through 3/1/19. Progress stalled this year for sure.
12/19 $1.79 still smoke breaking. Bought a new house, paid cash for college again, took lots more YOLO trips, and was surprised things actually went up with the net worth. Thank you markets. I am a bit listless with the SAHM routine. I may go back to work in March or April. Or not...
12/20 $2.43.

I did NOT go back to work in March or April, and I was grateful 2020 March that I had spent the prior year doing a bunch of YOLO items.  Spent most of 2020 hunkered down not doing much.  Got some new foobs (cancer sucks), hubs got a new hip, we bought a travel trailer, bought used SUV clown car to tow said travel trailer, and I am shocked at how much net worth increased since last year given the global situation as well as still paying cash for college with OOS tuition rates and only one income.

Our original FIRE number was $2.5 million and a paid off house.  We are starting to look seriously at the coast FI option and if it's a possibility in 2 years to downsize to a smaller house in a HCOL area with a lower income stream. We are shifting around things to provide additional liquidity our finances.   
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SpareChange on January 01, 2021, 02:16:38 PM
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015

2019     381,913
2020     495,309

Largest absolute increase yet. Over 75% of it was the market.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SpareChange on January 01, 2021, 02:19:02 PM
Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

+1. It's wonderful to see. And experience.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 01, 2021, 02:27:38 PM
2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: Do I dare make a prediction? Not this time.

2020: $230K increase (wild markets + luck putting in money during the March dip)
2021 prediction: happy with any increase since I'll be FIRE'ing midway through the year
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: FIreDrill on January 01, 2021, 02:47:45 PM

End of      NW           Change

12/13:   $41,032   
12/14:   $106,801    $65,769
12/15:   $197,262    $90,461
12/16:   $276,361    $79,099
12/17:   $368,051    $91,690
12/18:   $394,472    $26,421
12/19:   $560,195    $165,723

12/20:   $840,205    $280,010

2020 was rediculous in so many ways.  Hard to believe we were close to having a 300k YOY increase....  Thanks Mr Market.  Stay safe out there everyone.

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: trygeek on January 01, 2021, 02:52:33 PM
$96000 increase for the year not as much as last year but who can complain about almost a hundred thousand dollars. Especially after how the beginning of the year looked.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sandi_k on January 01, 2021, 03:56:17 PM
NW increase of $352k in 2020.

- $130k increase in our portfolio, year-over-year. Only $26k was contributions.
- $22k increase in home equity via paid-down principal
- $200k increase in lump-sum pension value.

Jan. 1, 2019: $2.3M
Jan. 1, 2020: $2.75M
Jan. 1, 2021: $3.1M

Note that half of that NW is in the form of the lump sum cash value of a defined benefit pension.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: anotherAlias on January 01, 2021, 04:13:07 PM
2020 may have sucked in many ways but it was a very good year financially for me.

2011:      $85,616.93
2012:.   $139,042.72
2013:    $217,250.05
2014:.   $284,626.51
2015:    $332,514.20
2016:    $431,718.92
2017:    $586,059.24
2018:    $591,792.31
2019:    $812,897.82
2020: $1,021,771.19
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on January 01, 2021, 04:14:15 PM
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.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Blissful Biker on January 01, 2021, 05:06:37 PM
TNW increase of $330K CDN ($260K USD) in 2020!  Comprised of:
That's by far our largest annual increase and I am grateful to be so fortunate in a year that has been difficult for many.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Fru-Gal on January 01, 2021, 05:14:32 PM
We're up by over $150k this year!!! Mind-blowing. Just a few days ago passed $500k investments. Also hit $1 million NW this year. Truly grateful for MMM and this community being the catalyst. As we all know, these behaviors aren't discussed in polite company, plus stealth wealth is important especially as you go higher in NW or work in a field where people are subsisting on much less (some while racking up debt/leasing new cars/clubbing). People can be jealous bitches and you will lose some friendships if your success is obvious (or even if not but you just seem suspiciously content).

While it hasn't been easy, I first fixed my mindset. Then I accidentally landed the highest-paying gig of my life after DECADES of subsistence on low income self-employment. IMHO, MMM's emphasis on getting a better-paying job is critical. Like high savings rates, it's one of those things that people think is impossible for them to achieve. It's not. The money is out there, at least for now in a good global economy. I don't deceive myself that it's all about me -- I've been through recessions and know the experience of calling every client I have and learning they no longer have budget and have laid everyone off. I've also worked a ton of manual labor. This is a good economy. Enjoy this motherfucker!

Low expenses + no debt + high savings rate + high income + stock market = FI!

Went back to find this post from the end of 2019. We ended 2020 at $1.4 M net worth and $707,000 in investments/savings/401k/IRA!!! The even crazier thing is that in August we crossed $600k and only in the last few days of 2020 we passed $700k, so we gained/saved just over $200k this year (home value also increased NW). Really want to get to a point to exit my job, and/or redefine it in a way that brings me more joy and less stress.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: aspiringnomad on January 01, 2021, 05:19:41 PM
2014: 425k
2015: 628k
2016: 830k
2017: 1,167k
2018: 1,325k
2019: 1,658k
2020: 2,127k; FIRE'd and moved abroad midway through the year.

I found this site in early 2013 and started tracking my finances in 2014. What a ride it's been. Warm thanks to everyone for the advice and encouragement along the way. May 2021 bring you happiness and closer to your goals.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Civex on January 01, 2021, 07:07:11 PM
2014: (160k)
2019: $485k
2020: $635k

These are just investments, I think we have a conservative $50k equity in house after realtor fees. We directly invested >70k this year and the market returned slightly more than that, netting us around $150k in portfolio growth. We also made significant progress on debt reduction--at least $40k in principle paid. All in all we are +/-10k of 200k this year, which is just mind blowing. Reach goal had been $100k in net worth increase.

I expect us to be closer to $100k in net worth growth in 2021-planning on taking some time off work and we will hopefully be able to do some traveling. Reach goal is 1M in investments in 3 years, which will largely depend on market returns.

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on January 01, 2021, 09:21:45 PM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.

2021 has been an absolute whirlwind of a year. Despite the pandemic, a cut in my income for almost half of the year, and a lack of my usual bonus, I was able to save/earn more from investments this year than I ever have in my life.

I'm ending 2020 with $424K in net assets - that's an increase of $160K in assets from the same time last year. That just feels like an absolutely unbelievable amount - I'm still in shock about how that has happened. I'm looking back at my investment contributions over the course of the last year, and I can account for ~$75K in contributions that I've made. It's possible that I've added another ~$10K or so in my cash savings. That leaves around $75K in pure investment earnings --  I'm a bit incredulous that I could make that much in investment returns, given the size of my portfolio, but my investment account summaries tend to point to a similar sum. I'm incredibly grateful for that growth and hope it will continue in the future.

To sum up, here is a summary of my financial journey to date:
Dec 2014: $554
Dec 2015: $32.2K (+31K)
Dec 2016: $100.7K (+68.5K)
Dec 2017: $149.6K (+48.9K)
Dec 2018: $208K (+58.4K)
Dec 2019: $264K (+56K)
Dec 2020: $424K (+160K)

My goal for 2021 will be to 1) cross the half-million mark in net assets and 2) match my contributions in 2020 of $85,000.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 01, 2021, 10:22:19 PM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Down about $50K this year, mostly due to the Zillow value of my home becoming more reasonable.  I left my full time job and started a new venture in February 2017, so I wasn't saving nearly as much as before.  Investments were up $192K.

I've been away for a while so I missed a few years.  Over these last few years, the Zillow value of my home (which I know isn't really accurate anyway) has come down to a more normal level.  The rest of the changes are from investemts. 2018 was flat as I drew out some of my investment gains  for the year as I was still in the early stages of a new venture (the rest of my investment gains helped to offset the decrease in Zillow "value" of my home).  2019 things started to pick up so investement gains of $140K were able to accumulate without much draw down.  2020 was really a good year with an increase of $410K as I was able to start adding to my investments again and the market reached new highs. Here's to 2021!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Gingersnaps on January 02, 2021, 08:31:47 AM
Wow just done my end of year calculations and I'm in shock! 2020 was the year I started taking all of this serious and I've doubled my net worth.
Figures include student loans but if we stopped working they'd eventually get written off

Jan 2020: £91,386.49
Jan 2021: £188,852.81

Wishing everyone a successful 2021
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SwordGuy on January 02, 2021, 09:25:43 AM

2012
$0.50M
Found MMM in November after 30 years of toil.  Changed behavior in December.
2015
$1.05M
3 rental properties plus a 66% savings rate.
2016
$1.90M
Inheritance plus savings
2017
$2.52M
2018
$2.53M
Retired in May
2019
$2.73M
2020
$2.82M

Plus we paid off our mortgage, saved an architectural gem from destruction (its now been gloriously renovated), helped friends start a real estate investment business, helped another person to get a house at some real savings, tried (and failed) to set up a charity group home, and have upped our charity budget to over $16k a year.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: rebel_quietude on January 02, 2021, 09:45:38 AM
$193,902 NW increase this year. Good lord. These markets are amazing . . .
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: MishMash on January 02, 2021, 05:30:46 PM
We ended the year at 2.250m a 250k increase from last year without saving anything outside dividends and not taking into account the roughly 10% increase in home prices since we bought end of 2019. I went back and looked at 2014 when we first started saving and investing seriously and we are up 1.4 million in 6 years....dammmmmnnnn
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: waltworks on January 02, 2021, 09:18:32 PM
2020 was total insanity. We gained ~$200k in liquid net worth and another $400-500k or so in RE equity, depending on how much you believe Zillow. I guess maybe we'll hit $2 million NW, despite making zero efforts to do so, in a few more years, even if the markets completely stagnate from here on out. Hell, we could hit it in a year the way the RE market here is going.

Honestly I'd rather not have the RE equity if it meant I could send home all the out-of-state folks who moved to our town.

Anyone got good ideas for charities to donate stimulus funds to?

-W
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 04, 2021, 09:38:18 AM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)
Dec 2018: $255, 892.49    (+ $49,542.26)
Dec 2019: $424, 020.62    (+ $168,128.13)
Dec 2020: $584,000 (+ $160,000)

Hit my 2020 goal of $500k and then some. New goal for 2021 is $700k by end of year.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: SanDiegoFIhopeful on January 04, 2021, 10:12:45 AM
Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)
Jan 1, 2021: $1,016k ($751k in investments, $265k in home equity)

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


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

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

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

I am beyond pumped, but trying to stay realistic. We are extremely unlikely to get even half as lucky in 2020, but are aiming to make up for some of that by increasing to a 45% savings rate.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on January 04, 2021, 10:20:25 AM
2020 was total insanity. We gained ~$200k in liquid net worth and another $400-500k or so in RE equity, depending on how much you believe Zillow. I guess maybe we'll hit $2 million NW, despite making zero efforts to do so, in a few more years, even if the markets completely stagnate from here on out. Hell, we could hit it in a year the way the RE market here is going.

Honestly I'd rather not have the RE equity if it meant I could send home all the out-of-state folks who moved to our town.

Anyone got good ideas for charities to donate stimulus funds to?

-W

@waltworks - I am a big fan of public radio (NOR), you can give to your local station.  Food banks are always a good choice too.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sugaree on January 04, 2021, 11:28:26 AM
With the final numbers in, I'm up almost $71k or 78.03%


It's not as impressive as those of you in the double comma club, but I'll take it.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on January 04, 2021, 12:30:51 PM
With the final numbers in, I'm up almost $71k or 78.03%


It's not as impressive as those of you in the double comma club, but I'll take it.

It is absolutely FANTASTIC.  Up 78!  We all had to start somewhere - so you will be in the double comma club faster than you think.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: frogstomp81 on January 04, 2021, 05:27:19 PM
1/1/16: $462,464.13
1/1/17: $598,065.11 (+$135,600.98)
1/1/18: $719,775.17 (+$121,710.06)
1/1/19:  $708,180.68 (-11,594.49)
1/1/20: $935,648.51 (+227,467.83)
1/1/21: $1,184,146.26 (+$248,497.75)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: givemesunshine on January 04, 2021, 05:58:40 PM
31st Dec 2015 - $161K
31st Dec 2016 - $195K
31st Dec 2017 - $236K
31st Dec 2018 - $266K
31st Dec 2019 - $347K
31st Dec 2020 - $377K

Happy with my progress, slow and steady.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: WhiteTrashCash on January 05, 2021, 06:57:16 AM
Just investment growth:

Jan. 2018: $122747.70
Jan. 2019: $166175.31
Jan. 2020: $250137.09
Jan. 2021: $355978.36

It's impressive to see things accelerate as time passes.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: aceyou on January 05, 2021, 07:34:17 AM
Total Net Worth
 2015    317,475
 2016    425,853
 2017    548,846
 2018    630,100
 2019    804,562
 2020   1,009,251

Net worth not counting pension value:
2015   245,192
2016   282,184
2017   384,000
2018   441,100
2019   585,211
2020   766,079

Stache Only
2015   21,840
2016   72,970
2017   185,700
2018   256,100
2019   407,211
2020   571,479

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: DeniseNJ on January 05, 2021, 12:59:05 PM
Not a regular participant but I just checked my progress since starting MMM and WOW.
Dec. 2017 344K not including cc debt of maybe 25K and a car payment
Dec. 2018 355K (just started MMM two months ago)
Dec. 2019 485K (THANK YOU MMM and this forum!!)
Dec. 2020 662K oh my! Did I really increase my stash by 300K in two years?!?! Yes, it was the market but we've been maxing out retirement funds and even bought a little extra during the huge dip. A big diffeence from being always in debt.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Accrual on January 09, 2021, 07:07:26 AM
2016: 40k
2017: 86k
2018: 123k
2019: 210k
2020: 301k
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: startingsmall on January 10, 2021, 07:35:37 AM
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)

The actual increase should be even higher, but I changed my accounting this year. I used to include the cost of our (newer, non-mustachian) vehicles in our overall NW, because it seemed like the most complete picture, but then I decided it was a silly waste of time to be checking KBB every few months. If I was still including them, it'd be about $50k higher. Not too shabby for a year in which I've had my daughter home from school AND we moved across several states.


Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 11, 2021, 03:09:16 PM
net worth
2015: 438K
2016: 534K

2017: did well. was going to fire but divorced instead and gave half of it away/ DO year end was just my numbers:

2017: 333K
2018: 349K  +16K
2019: 490K  +141K
2020: 738K  +248K

so - more than doubled since divorce and I paid off the mortgages on the old house (that the ex kept) in 2020

I now have a new house (and a rental) and the other half pays for half the mortgage and the bills. A far better arrangement.
We don't mingle finances but she wasn't far behind me and the option to both fire was very close. She's actually worth a lot more now (or will be) due to the sad death of her mother. But that bit is family money and will be invested with just some of it being tapped for her (like 4% as I keep telling her!!! :D  )

anyway. 2020 was a cracking year financially.  The rest - not so much...

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SwordGuy on January 11, 2021, 07:16:11 PM
@UnleashHell , check your math in your post above.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 12, 2021, 04:34:16 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Morning Glory on January 12, 2021, 05:32:48 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?

Math looks fine to me. @UnleashHell I'm with you in that my money went up more than ever in 2020, but my happiness went down. I guess money doesn't make me happy. In other years I saw those numbers going up as an achievement, this year not so much. 

 I keep thinking that the huge gains in share prices are maybe because the dollar is going down in value, or people think it will soon. I'm still working towards FIRE because I don't want to be beholden to an employer any more. This year I also want to find more meaning in my life outside of those numbers.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SwordGuy on January 12, 2021, 06:39:57 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?

490K  +141K != 738K  , it 631K
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 12, 2021, 07:26:46 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?

490K  +141K != 738K  , it 631K

increase for the year is after the net amount.

490k (increase of 141k from prior year end..)

Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: UnleashHell on January 12, 2021, 07:29:20 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?

Math looks fine to me. @UnleashHell I'm with you in that my money went up more than ever in 2020, but my happiness went down. I guess money doesn't make me happy. In other years I saw those numbers going up as an achievement, this year not so much. 

 I keep thinking that the huge gains in share prices are maybe because the dollar is going down in value, or people think it will soon. I'm still working towards FIRE because I don't want to be beholden to an employer any more. This year I also want to find more meaning in my life outside of those numbers.

the only bright side is that the increase is setting me up for the future when the 2020 conditions are no longer in place (and 2021 so far).
Too many people went out of my life in the last year. plus not seeing my parents for over a year. Things will improve but its still pretty bleak right now as, even with the good news, none of the things that have happened can be undone.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: crimp on January 12, 2021, 09:33:05 AM
@UnleashHell , check your math in your post above.
@SwordGuy I did. which bit?

Math looks fine to me. @UnleashHell I'm with you in that my money went up more than ever in 2020, but my happiness went down. I guess money doesn't make me happy. In other years I saw those numbers going up as an achievement, this year not so much. 

 I keep thinking that the huge gains in share prices are maybe because the dollar is going down in value, or people think it will soon. I'm still working towards FIRE because I don't want to be beholden to an employer any more. This year I also want to find more meaning in my life outside of those numbers.

the only bright side is that the increase is setting me up for the future when the 2020 conditions are no longer in place (and 2021 so far).
Too many people went out of my life in the last year. plus not seeing my parents for over a year. Things will improve but its still pretty bleak right now as, even with the good news, none of the things that have happened can be undone.

My sentiment, exactly. +112k for the year, which is amazing, but I'd take a worse market and a better year if I had the choice.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: fat-johnny on January 12, 2021, 10:42:23 AM
Age 47.  Ohio.

2013       $402k
2014       $470k
2015       $461k
2016       $608k
2017       $718k
2018       $725k
2019       $887k
2020       $1,096k

Finally got that 2nd comma!
FJ
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: JSMustachian on January 12, 2021, 12:51:41 PM
2017   $248,262.40   + $159,225

2018   $340,317.07   + $92,055

2019   $529,160.43   + $188,843

2020   $760,653.25   + $231,493

We are up to $950,000 if  you throw in home equity. Hoping to get to a million at 35 years old!


Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 12, 2021, 03:08:03 PM

                         Investments    Paid off house     Pensions              Total NW
12/31/19                $2295            $500                   $607                  $3.4M

12/31/20                $2650            $600                   $638                  $3.89M
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: change_seeker on January 12, 2021, 03:39:07 PM
September 2019 Update:
Net worth:  $357,000 (as per Mint, includes primary residence)

January 2021 Update:
Current net worth: $558,000 (as per Mint, includes primary residence)

$201k!!!!!!  Property values are nuts around here.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Zikoris on January 13, 2021, 12:59:54 PM
We went from $462,553 to $550,120, an increase of $87,567. That was on a joint 78K income, with spending of $24,429 for the year.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Gerard on January 19, 2021, 01:30:52 PM
339K to 388K = 49K (14%) gain, despite being retired. Combination of no travel expenses and market gains.

I'd like to claim I planned well, but in fact I had money (from selling a house) that I'd procrastinated on investing, so I was able to put a fair whack into the markets in March and May.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Nately on January 21, 2021, 07:58:24 AM
We haven't been tracking it all that closely. But we added it all up recently, and we're at about $3.2M.

Having said that, it's probably right about time for a crash.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: ducky19 on January 21, 2021, 08:45:43 AM
$504k to $648k, $144k increase, or 28.5%!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: anni on January 21, 2021, 02:41:35 PM
January 2019 ... (-$35K)
January 2020 ... $20K
January 2021 ... $80K

I'm not even sure how it all happened!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: couponvan on January 22, 2021, 08:17:00 AM
January 2019 ... (-$35K)
January 2020 ... $20K
January 2021 ... $80K

I'm not even sure how it all happened!
Not spending $ you didn’t have. 🤣
Better take a pregnancy test....kidding!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: anni on January 22, 2021, 11:54:42 AM
January 2019 ... (-$35K)
January 2020 ... $20K
January 2021 ... $80K

I'm not even sure how it all happened!
Not spending $ you didn’t have. 🤣
Better take a pregnancy test....kidding!

I struggle with the basic facts of life 🤷‍♀️
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: hoosier on January 22, 2021, 01:15:29 PM
1/1/2020: 753K
1/1/2021:1,001K
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Morning Glory on January 23, 2021, 06:37:41 AM
1/1/2020: 753K
1/1/2021:1,001K


Congratulations!!!!!!!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on January 24, 2021, 06:12:33 AM
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
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: AllTheLights on January 24, 2021, 10:57:05 AM
2013: +$29k (saving diligently for downpayment on house)
2014: -$7k (bought a house, probably spent too much money on household things and improvements)
2015: +$19k (stopped the spend and got refocused thanks to this blog and others about half way through the year)
2016: +$37k (first full year post house purchase, more focused on saving)
2017: +$69k (increased salary, investments actually providing a return in a significant way, feels like hypedrive compared to previous years)

2013: +$29k
2014: -$7k
2015: +$19k
2016: +$37k
2017: +$69k
2018: +43k (personal circumstances changed my spending patterns)
2019: +111k (big year but part of that is home value that was converted into cash with the plan to re-invest in our new house)
2020: +80k (high spending year after moving to a new city but it was planned)

Overall still moving in the right direction.  My spending is higher than ideal but some of that is a choice (and some of it is bad behaviours).
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: dandarc on January 25, 2021, 07:52:59 AM
NW since first posting in this thread:

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

Increased NW by more than our income in 2020. As is increasingly often the case, credit goes more to market returns than to anything we did. 2020 was a ridiculously high spend year for us. We did manage to have some surplus at the end of the day, but we've definitely done better on the savings rate in the past.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: redhead84 on January 25, 2021, 09:44:20 AM
NW since we started tracking it in Quicken.

12/31/2014 -  $922K
12/31/2015 -  $955K
12/31/2016 -  $1,097K
12/31/2017 -  $1,305K
12/31/2018 -  $1,272K
12/31/2019 -  $1,721K
12/31/2020 -  $2,292K

2020 was our best year ever with a $570K increase. 
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: skyrefuge on January 27, 2021, 11:42:11 PM
Jan 2020: $2.4M
Jan 2021: $3.1M

+$712k

Took 12 years into my career (the majority lived MMM-style) to hit a $712k NW, and now I got that in one year. Exponential growth, man, it's nuts. And the cool thing about riding the exponential curve is that it's the percentage that makes you feel like you're kicking ass, so when you're in it, growing $7k feels just as good as the year you grow $70k, and then the year you grow $700k.

After 2 decades of this, I didn't figure there would be much new to feel, but the one thing I discovered in 2020, as we got near (or, perhaps way-past) the "enough" level, is that even the enormous firehose of cash coming at us from my job (by far the most I've ever made in my career) feels like a squirt gun amidst the crashing waves of our investments in the market. Like, we just lost $50k today, after gaining $200k in the last 50 days. Even if you're making $1k a day at your job, it's like, "what's the point?", since it barely moves the NW needle. Which makes me feel stupid and guilty and evil to even think! But it seems to be a pretty good cure for OMY-itis.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: evanc on February 10, 2021, 11:46:28 AM
Update: 6 months later, officially a net worth millionaire!

731,360 invested plus paid off home valued at 318,365 per Redfin (Zillow is about 7% higher, but based on recent sales, I think the more conservative Redfin estimate is more realistic).

As of today: $1,049,725.  Sticking to the plan, keep saving and I plan to retire in 5 more years. So close and yet so far lol

So many inspiring stories. Here's mine:

16: 346,143
17: 397,687
18: 414,661
19: 600,400

And today I'm at 660~ plus 300 in home equity (not included in above figures), so 2020 is shaping up to be the year of officially becoming a net worth millionaire. If you had told me that a couple of years ago when I started this journey, I would have thought it impossible. So fortunate and thankful to have found MMM and all you mustachians. You all rock!

Checking in to update:

Now at 1.24M+ total NW.

From the 13 months, Jan 20 to Feb 21, NW increased 29.2% (including paid off home). If not including home, investments alone increased 37.7% - obviously I have a high (~70%) savings rate. Ahead of schedule for FIRE, but keeping the pedal to the metal. Definitely a huge morale boost to see the needle move so much in a short time.

Thank you all for sharing your inspiring stories. 2021, let's go!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: flyfig on February 11, 2021, 11:59:09 AM
Haven't been on the forums for a bit but 2020 returns made my head spin so glad to see other people feeling the same way.

Jan 2015: $650k
Jan 2016: $910k (real estate profit)
Jan 2017: $1.0M
Jan 2018: $1.2M
Jan 2019: $1.2M
Jan 2020: $1.9M
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Steveray7071 on February 11, 2021, 01:10:36 PM
2020 + 161K
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: bmjohnson35 on February 13, 2021, 07:53:55 PM

2020 + $186K

It's always nice to see the continued high gains, but I'm convinced we will likely see 40% or more crash before midyear 2021 and the start of a much longer term recovery.......not the quick bounce back we saw in 2020.       
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Monocle Money Mouth on February 14, 2021, 05:40:29 AM

2020 + $186K

It's always nice to see the continued high gains, but I'm convinced we will likely see 40% or more crash before midyear 2021 and the start of a much longer term recovery.......not the quick bounce back we saw in 2020.     

That would be sweet for those of us still accumulating. I was hoping last March's dip was going to last longer than it did. Everything in the markets seems to be happening at an accelerated pace now. If you wait a week or a month for prices to come down, you might miss your opportunity to buy at a relative discount.

I won't be surprised by a correction or two this year, but I'm not sure if we'll see an extended 40% decline. I think we'll see a few stocks with absurdly high prices plummet, but I don't think it will take down the entire market.

2020 was kind to my net worth too in spite of the craziness. I was forced to buy through the dip with my 401(k) and dividend reinvestments. I voluntarily purchased through the dip with my taxable brokerage account. The boring buy and hold index funds strategy works, especially if your time horizon is long and you buy frequently.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: fraylock on February 17, 2021, 03:03:22 PM
Jan 2020: 368k
Jan 2021:624k

Change +256k.  New baby, new house, wife started new job.  So many changes!  I feel fortunate to be on the good side of this unequal economy.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: eazyebeneezer on February 22, 2021, 08:11:57 PM
Dec 2011: ~53k
Dec 2012: ~59k
Dec 2013: ~65k
Dec 2014: ~78k
Dec 2015: ~85k
Dec 2016: ~91k
Dec 2017: ~108k
Jan 2018: enter the Mustachian awakening
July 2018: ~145k
Dec 2018: ~420k (got married and combined finances; I married well)
Dec 2019: ~600k
Dec 2020: ~780k
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: mbk on March 13, 2021, 07:06:03 PM
My NW increase is modest compared to the awesome numbers being posted by others.

2019        ~$350k
2020        ~$430k

An increase of ~$80k.

Plusses (~$110k) are 401k contributions, stock market gains, equity gains in the rental properties and primary house by the rise in the zillow estimated value of properties plus mortgage pay-off.
Minus (~$30k) is write-off of loans given to family.

I am always astounded by the super high YOY NW gains achieved by the forum members. 5 years ago, an annual increase of NW by $80k seemed unthinkable for me. But now its becoming routine for me. So hopeful about bigger numbers in the future.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Dicey on March 14, 2021, 09:28:27 AM
My NW increase is modest compared to the awesome numbers being posted by others.

2019        ~$350k
2020        ~$430k

An increase of ~$80k.

Plusses (~$110k) are 401k contributions, stock market gains, equity gains in the rental properties and primary house by the rise in the zillow estimated value of properties plus mortgage pay-off.
Minus (~$30k) is write-off of loans given to family.

I am always astounded by the super high YOY NW gains achieved by the forum members. 5 years ago, an annual increase of NW by $80k seemed unthinkable for me. But now its becoming routine for me. So hopeful about bigger numbers in the future.
Just wait until you get to the point that you anticipate smaller numbers in the future. That's when the market goes "on sale" and creates lovely things called buying opportunities. The downs actually help you get ahead when managed correctly.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SDF on April 05, 2021, 11:12:10 PM
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)

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.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marcus_aurelius on April 06, 2021, 04:01:31 PM
Net worth, including a ~$2M house in the VHCOL Bay Area. The main story in the last few years: high-paying jobs combined with aggressive saving, great growth in 401K and taxable equities, and aggressive paying down of the mortgage (still owe ~$200K).

2015 ~ $2.6M
2016 ~ $2.7M
2017 ~ $2.9M
2018 ~ $3.3M
2019 ~ $3.6M
2020 ~ $4.1M
2021 ~ $4.9M

To paraphrase Albert Einstein, “The most powerful force in the Universe is compound interest.”
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on December 22, 2021, 08:55:56 PM
Time to resurrect this most enjoyable thread! I’m going to wait until 31-Dec to update, but this serves as a bump.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 24, 2021, 10:23:04 AM
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
Zero to a mil in 8 years.  Thank you market.  Thank you sensible Camry.  Thank you divorce!

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
2018 - $420K
2019 - $560K
2020 - $744K
2021 - $1,009K
Years to FIRE - 1.36
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on December 24, 2021, 10:25:42 AM
I made the mistake of looking to see where we would be if we had kept working.  Even if we had sold all of the company stock bonuses right when they vested, if we had continued to work through 2021 instead of retiring in 2015, our net worth would be something around $14,000,000.

Oops.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: maisymouser on December 24, 2021, 10:28:57 AM
I made the mistake of looking to see where we would be if we had kept working.  Even if we had sold all of the company stock bonuses right when they vested, if we had continued to work through 2021 instead of retiring in 2015, our net worth would be something around $14,000,000.

Oops.

Had me chuckling. How honest!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Roland of Gilead on December 24, 2021, 10:32:33 AM
I made the mistake of looking to see where we would be if we had kept working.  Even if we had sold all of the company stock bonuses right when they vested, if we had continued to work through 2021 instead of retiring in 2015, our net worth would be something around $14,000,000.

Oops.

Had me chuckling. How honest!

Gotta never look at the river card when you have already folded I guess.   And you never know how fate works.  We could have died in a horrible car accident while commuting to work during those 6 retired  years.  Also, time is money, but money can't buy time.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: johndoe on December 25, 2021, 06:48:28 AM
Gotta never look at the river card when you have already folded
I suppose you should be comparing 6 years of retirement to something more positive to losing a card game ha!

Here's a request: when we do these annual stats, can we include how much of the NW change was contributions and how much was passively-earned?  It's nice to see other people's results, but it doesn't mean much without some other data.  Thoughts?  And maybe specify real estate assumptions? (And maybe we should move the talk to a new thread that isn't titled "2020"?)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: G-dog on December 25, 2021, 09:26:25 AM
Gotta never look at the river card when you have already folded
I suppose you should be comparing 6 years of retirement to something more positive to losing a card game ha!

Here's a request: when we do these annual stats, can we include how much of the NW change was contributions and how much was passively-earned?  It's nice to see other people's results, but it doesn't mean much without some other data.  Thoughts?  And maybe specify real estate assumptions? (And maybe we should move the talk to a new thread that isn't titled "2020"?)

The OP ( @marty998 ) can (and has in the past) change the thread title.  The thread was started in 2014, and I like seeing folks cumulative results (versus a new thread).  Some of us show a summary of past years with each update.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: marty998 on December 25, 2021, 03:45:28 PM
Gotta never look at the river card when you have already folded
I suppose you should be comparing 6 years of retirement to something more positive to losing a card game ha!

Here's a request: when we do these annual stats, can we include how much of the NW change was contributions and how much was passively-earned?  It's nice to see other people's results, but it doesn't mean much without some other data.  Thoughts?  And maybe specify real estate assumptions? (And maybe we should move the talk to a new thread that isn't titled "2020"?)

The OP ( @marty998 ) can (and has in the past) change the thread title.  The thread was started in 2014, and I like seeing folks cumulative results (versus a new thread).  Some of us show a summary of past years with each update.

Hello. OP checking in after being fairly absent the past few months. I'd forgotten all about this thread... and I didn't even get the bat-signal notification that you'd pinged me :(

Was just feeling a little nostalgic today about a few things and people so I logged in.

I will update the thread heading now.

Reminder that the thread was inspired by the blog post about giving your future self a present by having your shit sorted yesterday (I love a play on words).

Given it is now the future, it is nice to see so many with big fat presents this year.

Merry Christmas everyone.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: G-dog on December 25, 2021, 05:30:47 PM
Happy Holidays @marty998!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: SwordGuy on December 25, 2021, 08:41:57 PM
2012 $0.50M Found MMM in November after 30 years of toil.  Changed behavior in December.
2015 $1.05M 3 rental properties plus a 66% savings rate.
2016 $1.90M Inheritance plus savings
2017 $2.52M
2018 $2.53M Retired in May
2019 $2.73M
2020 $2.82M
2021 $3.12M

Helped someone start a trucking business and spent gobs of money on improving our home studio's electrical and hvac needs, repairing and painting home exterior, a new hvac for a rental, and lots of metal casting and 3D printing equipment.

Real estate appreciation plus stock market growth account for the gains.

Other than covid it was a great year.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 25, 2021, 10:13:22 PM
Jan 2018 - $857k I quit working at the end of January and was just over $900k with my final paychecks and vacation payout.
Jan 2019 - $787k The little downturn during my first year not working was an interesting little gut check, but I stuck to my spending/investment plan.
Jan 2020 - $902k Back to where I was when I “retired” and I even bought a brand new car! Living a life of luxury.
Jan 2021 - $981k I started a new job almost the exact day my net worth rolled over $1M
Now - $1.132M

It is kind of nice working a job when you know you don’t actually need the money. I’ve been putting my savings this last year into cash. I expect I will buy a place in the coming year. This second round of my career will keep going as long as I’m enjoying it.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 26, 2021, 08:41:49 AM
I made the mistake of looking to see where we would be if we had kept working.  Even if we had sold all of the company stock bonuses right when they vested, if we had continued to work through 2021 instead of retiring in 2015, our net worth would be something around $14,000,000.

Oops.

Had me chuckling. How honest!

Gotta never look at the river card when you have already folded I guess.   And you never know how fate works.  We could have died in a horrible car accident while commuting to work during those 6 retired  years.  Also, time is money, but money can't buy time.

This really strikes me as true.  My dad never got to retire - he died of melanoma at 61.  But he and my mom decided not to put off travel until retirement, so we have wonderful memories of trips together.  I'm so glad they made that decision, even if the math said otherwise.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Metalcat on December 26, 2021, 10:54:35 AM
I made the mistake of looking to see where we would be if we had kept working.  Even if we had sold all of the company stock bonuses right when they vested, if we had continued to work through 2021 instead of retiring in 2015, our net worth would be something around $14,000,000.

Oops.

Had me chuckling. How honest!

Gotta never look at the river card when you have already folded I guess.   And you never know how fate works.  We could have died in a horrible car accident while commuting to work during those 6 retired  years.  Also, time is money, but money can't buy time.

I personally have no problem noting how rich I would be if I had made different choices. Whenever I think about that, it reminds me that no amount of money would have been worth burning myself out and injuring myself even further.

Just a year ago I made a brutally difficult decision to either be very rich or very happy. I actually enjoy thinking about how useless those millions would be to me knowing what I know now.

That said, I retired with the most perfect timing that was ever humanly possible. So I have the benefit of knowing without a scrap of a doubt that more money would not have been worth the trade off.

So I just laugh at the wealth I could have had, because it would have been worthless to me compared to the time I actually NEED right now.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: givemesunshine on December 28, 2021, 02:53:15 AM
31st Dec 2015 - $161K
31st Dec 2016 - $195K
31st Dec 2017 - $236K
31st Dec 2018 - $266K
31st Dec 2019 - $347K
31st Dec 2020 - $377K
31st Dec 2021 - $471K

Significant salary increase (promotion), a good investment year and compounding is starting to make an impact.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: StarBright on December 28, 2021, 08:07:11 AM
The engine of money is astonishing.

In January 2016 (when I started focusing on FIRE for myself) we had just over 125k in retirement savings. That is also the year StarHus started his full time career.

In January 2020 we were at around 440k and as of a few days ago we were at just under 550k (not including home equity).

What is even crazier to me is that I've never managed to max my 401k (though I've come close a few years). The only "strategy" we've had is to try and squeeze a bit extra to throw into the market during obvious drops and we've never pulled money out.

I've been saving steadily since I was 17 years old and it is wild to me how the savings took off with several years of a good market, hitting the hundred k threshold, and having two incomes.

One year later - we are up around 200k, not including home equity.

I am from a very blue collar background, and while I have an academic understanding of capital, I am weirded out by seeing these gains as mine on paper. It doesn't quite compute.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Turtle on December 28, 2021, 11:53:07 AM
Retirement and Investment accounts increase for the last three years, rounded to the nearest K

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

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

Primary residence (mortgaged) and paid off vehicle not included.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: soily on December 29, 2021, 11:36:02 AM
2021: 111k
Goal 2022: 183k (investments, finish heated/cooled addition, misc)
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: BoonDogle on December 29, 2021, 01:24:11 PM
2020 - +527k
2021 - +286k

Not quite as good as 2020 but I'll take it.  Need another round of panic-selling by investors.

ETA - numbers for 2021 are through 9/30.  Should be quite a bit higher for the year barring a major setback between now and 12/31.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: johndoe on December 29, 2021, 07:01:03 PM
2021: saved ~$40k while investments up ~$100k ... kind of sobering to see passive growth rival annual salary!  Investments are now at 21x annual budget and 5x annual salary.  Zillow claims home value increased 25%, which seems absurd.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: JAYSLOL on December 30, 2021, 08:41:22 AM
End 2017 @ $64k
2018 +$18k  NW $82k @ end of 2018
2019 +$30k  NW $112k @ end of 2019
2020 +$16k  NW $128 @ end of 2020
2021 +$35k  NW $163 @ end of 2021

New record gain for this year, would love to say it was all savings but the market really helped.  Goal for 2022 is to save $100/day or $36,500 for the year plus or minus any market activity.  Not going to be easy, it would put us pretty much right at a 50% savings rate after tax.  Wish me luck!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: SpareChange on December 30, 2021, 10:32:13 AM
End 2017 @ $64k
2018 +$18k  NW $82k @ end of 2018
2019 +$30k  NW $112k @ end of 2019
2020 +$16k  NW $128 @ end of 2020
2021 +$35k  NW $163 @ end of 2021

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

Good luck!!!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: MissNancyPryor on December 30, 2021, 10:37:22 AM
I am sheepish about my ridiculously high current net worth but this thread is really valuable so I will contribute.  I FIREd in 2019 and have only added the $3,600-ish annual contribution maximum for my HSA, that is the only "saving" I do now. 

In 2020 my stache grew +900K and in 2021 it will be about +650k added.  I paid off my daughter's six figure student loan this year.  I really should go update that thread soon, it is timely given the moratorium on payments.

Remember the crash of Christmas Eve 2018? Dow closed at ~21,800 that day, a blood bath.  If someone told me at that time that in 3 years you will have 250% of that stache and will have enjoyed a blissful retirement for most of the time since then I would not have believed it.  Especially when you consider the gutting of the early Covid days, where quite a few posters on this board were absolutely certain that selling was the smart thing to do because it was different this time.  We don't hear much from them now. 

For those aspiring to get to FIRE, keep chugging, keep planting those seeds.  It is absolutely worth it as you later relax in the shade of the mighty oaks you cultivate.

Strange how I am "sheepish."  I saved and carefully grew this stache and I am rooting for those still working toward their goal, but it is awkward to admit the actual numbers, even among like-minded and anonymous folk.   
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Dr Kidstache on December 30, 2021, 12:24:30 PM
I'm up about $140,000 for the year. A little less than prior years but I did just buy a spendy house so there have been extra expenses with that.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: StarBright on December 30, 2021, 12:27:26 PM
I am sheepish about my ridiculously high current net worth but this thread is really valuable so I will contribute.  I FIREd in 2019 and have only added the $3,600-ish annual contribution maximum for my HSA, that is the only "saving" I do now. 

In 2020 my stache grew +900K and in 2021 it will be about +650k added.  I paid off my daughter's six figure student loan this year.  I really should go update that thread soon, it is timely given the moratorium on payments.

Remember the crash of Christmas Eve 2018? Dow closed at ~21,800 that day, a blood bath.  If someone told me at that time that in 3 years you will have 250% of that stache and will have enjoyed a blissful retirement for most of the time since then I would not have believed it.  Especially when you consider the gutting of the early Covid days, where quite a few posters on this board were absolutely certain that selling was the smart thing to do because it was different this time.  We don't hear much from them now. 

For those aspiring to get to FIRE, keep chugging, keep planting those seeds.  It is absolutely worth it as you later relax in the shade of the mighty oaks you cultivate.

Strange how I am "sheepish."  I saved and carefully grew this stache and I am rooting for those still working toward their goal, but it is awkward to admit the actual numbers, even among like-minded and anonymous folk.   

This is incredible and thank you for sharing! For what it is worth, my parents retired at traditional retirement age and are finding the same thing. Their money is earning more than they can spend (as they've always been frugal). Sheepish is exactly the word my dad used when he and I were talking about it last week.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: marty998 on December 30, 2021, 04:28:43 PM
I am sheepish about my ridiculously high current net worth but this thread is really valuable so I will contribute.  I FIREd in 2019 and have only added the $3,600-ish annual contribution maximum for my HSA, that is the only "saving" I do now. 

In 2020 my stache grew +900K and in 2021 it will be about +650k added.  I paid off my daughter's six figure student loan this year.  I really should go update that thread soon, it is timely given the moratorium on payments.

Remember the crash of Christmas Eve 2018? Dow closed at ~21,800 that day, a blood bath.  If someone told me at that time that in 3 years you will have 250% of that stache and will have enjoyed a blissful retirement for most of the time since then I would not have believed it.  Especially when you consider the gutting of the early Covid days, where quite a few posters on this board were absolutely certain that selling was the smart thing to do because it was different this time.  We don't hear much from them now. 

For those aspiring to get to FIRE, keep chugging, keep planting those seeds.  It is absolutely worth it as you later relax in the shade of the mighty oaks you cultivate.

Strange how I am "sheepish."  I saved and carefully grew this stache and I am rooting for those still working toward their goal, but it is awkward to admit the actual numbers, even among like-minded and anonymous folk.   

This is incredible and thank you for sharing! For what it is worth, my parents retired at traditional retirement age and are finding the same thing. Their money is earning more than they can spend (as they've always been frugal). Sheepish is exactly the word my dad used when he and I were talking about it last week.

Amazing, yes thanks for sharing @MissNancyPryor.

Like you and @StarBright I am also a bit sheepish now at how things have gone this year. Not just with the absolute size of the stash, but also because so many people out there have struggled over the past two years with job losses and being in need of assistance, through no fault of their own. A little bit of guilt in other words.

The pandemic has exposed a fault line here - it's not as simple as saying "it's all on you, you should have been prepared", but those who were prepared with emergency funds and buffers in the good years will have fared better now than those who did not (self evident truth).

I'm not going to be sorry for the decisions I took 5, 10, 15 years ago. I am going to be grateful for them, and thank my past self for the present I now have. I never would have dreamed of a NW approaching $2m... it's a relief to know a solid base is there for the rest of my life.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: MissNancyPryor on December 30, 2021, 04:44:42 PM
I am sheepish about my ridiculously high current net worth but this thread is really valuable so I will contribute.  I FIREd in 2019 and have only added the $3,600-ish annual contribution maximum for my HSA, that is the only "saving" I do now. 

In 2020 my stache grew +900K and in 2021 it will be about +650k added.  I paid off my daughter's six figure student loan this year.  I really should go update that thread soon, it is timely given the moratorium on payments.

Remember the crash of Christmas Eve 2018? Dow closed at ~21,800 that day, a blood bath.  If someone told me at that time that in 3 years you will have 250% of that stache and will have enjoyed a blissful retirement for most of the time since then I would not have believed it.  Especially when you consider the gutting of the early Covid days, where quite a few posters on this board were absolutely certain that selling was the smart thing to do because it was different this time.  We don't hear much from them now. 

For those aspiring to get to FIRE, keep chugging, keep planting those seeds.  It is absolutely worth it as you later relax in the shade of the mighty oaks you cultivate.

Strange how I am "sheepish."  I saved and carefully grew this stache and I am rooting for those still working toward their goal, but it is awkward to admit the actual numbers, even among like-minded and anonymous folk.   

This is incredible and thank you for sharing! For what it is worth, my parents retired at traditional retirement age and are finding the same thing. Their money is earning more than they can spend (as they've always been frugal). Sheepish is exactly the word my dad used when he and I were talking about it last week.

Amazing, yes thanks for sharing @MissNancyPryor.

Like you and @StarBright I am also a bit sheepish now at how things have gone this year. Not just with the absolute size of the stash, but also because so many people out there have struggled over the past two years with job losses and being in need of assistance, through no fault of their own. A little bit of guilt in other words.

The pandemic has exposed a fault line here - it's not as simple as saying "it's all on you, you should have been prepared", but those who were prepared with emergency funds and buffers in the good years will have fared better now than those who did not (self evident truth).

I'm not going to be sorry for the decisions I took 5, 10, 15 years ago. I am going to be grateful for them, and thank my past self for the present I now have. I never would have dreamed of a NW approaching $2m... it's a relief to know a solid base is there for the rest of my life.

Exactly this.  I lived through the dot-com bust and 2008 among other gut wrenching bad market times.  I never bailed out, I never declared the whole thing as fixed and a big spinning wheel casino, I just kept plugging away and saving throughout.  I learned not to get in over my head and that no one owes me anything. 

Any chance there are people who are waking right the hell up now in the covid era?  Some will.  Lots more won't.     
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Virtus3 on December 30, 2021, 06:53:20 PM
We increased our net worth $79k in 2021 from $298k to $377k.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on December 30, 2021, 08:45:35 PM
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.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: twbird18 on December 30, 2021, 09:42:51 PM

NW: 2020 - $265K
       2021 - $415K

$150K increase. Pretty good. Going for $200K this year.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: The Beebsta on December 31, 2021, 01:01:09 AM
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.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: YellowCat on December 31, 2021, 07:04:38 AM
Dec 2019: $1,030,547
Dec 2020: $1,355,244 (+$324,697)
Dec 2021: $1,778,865 (+$423,621)

The increase in our NW since 2019 is honestly almost unimaginable to me. Let's see what 2022 will bring.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: w@nker on December 31, 2021, 07:06:30 AM
YE 2020 NW:  $3.60 M
YE 2021 NW:  $5.95 M
Gain:             $2.36 M

It has been a crazy year.  I am just waiting on the bubble of everything to come crashing down.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on December 31, 2021, 09:48:22 AM
% of target stash:

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house

Onward!

* 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 :)

Feeling immense gratitude to this community and all I've learned from you fine folks. I really appreciate all of the real world examples, resources/links, beating up/refining of certain topics that I might not have ever heard of on my own.

Happy New Year everyone - stay healthy and happy and keep on rocking it.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 31, 2021, 09:53:44 AM
End 2017 @ $64k
2018 +$18k  NW $82k @ end of 2018
2019 +$30k  NW $112k @ end of 2019
2020 +$16k  NW $128 @ end of 2020
2021 +$35k  NW $163 @ end of 2021

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

$100 a day is a cool goal!!!

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

Good luck, you can do it.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: philli14 on December 31, 2021, 10:06:49 AM
Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304
Jan 1 2021: $203,920
Jan 1 2022: $310,057

Crazy to think that another year has come and gone. First year with >100k increase in NW. Wild!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 31, 2021, 10:13:36 AM
Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304
Jan 1 2021: $203,920
Jan 1 2022: $310,057

Crazy to think that another year has come and gone. First year with >100k increase in NW. Wild!

Wow!! Awesome job; should really start snowballing now :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 31, 2021, 10:26:46 AM
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
1/1/2020 - $182,677.98
1/1/2021 - $364,367.91
1/1/2021 - $692,149.26

A $327,781.35 increase in 2021. My wife and I hit a milestone this year as well: we passed $1m jointly. We estimate to have $1,265,123 including our home (no mortgage).  Just shy of $1m without the home.  It was a great year for our investments.

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 31, 2021, 10:41:28 AM
EOY....

2014- $84
2015- $160
2016- $308
2017- $445
2018- $521
2019- $718
2020- $800
2021- $1020*

Wowza.

*baring any crazy market slide this afternoon
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: dandarc on December 31, 2021, 11:14:39 AM
NW since first posting in this thread:

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

Market continues to do the heavy lifting.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: rebel_quietude on December 31, 2021, 12:08:34 PM
2017: NW grew + 123,302, including 40k in contributions
2018: NW grew + 22, 942  / 61k in contributions
2019: NW grew +245,568 / 63k in contributions
2020: NW grew +193,504 / 51k in contributions
2021: NW grew +248,847 / 47k in contributions

It's amazing to see the increasing lack of correlation between contributions and growth.  Geeze.

Happy new year, everyone!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: zygote on December 31, 2021, 02:57:33 PM
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)

I contributed about $38k this year, so the rest is gains! Really happy with how far I've come in just 4 years.




Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on December 31, 2021, 02:58:54 PM
Man, seeing some of theses huge increases sure makes me wish I had more invested during this awesome decade of returns. On the bright side we only had ~$22,000 in retirement accounts in 2013 and we have about $220K now so a 10 time increase.

We also paid off/rolled into mortgage about $100K of Credit card debt and I was a SAHD from 2012- late 2016. Next 10 years should be even better with both my wife and I's salary's increasing and having some money invested and less debt.

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

Really picking up steam now :) This was our best year yet despite remodeling a bathroom and spending 50 nights on vacation!!

If we can average say ~$60K increases next 12-13 years we should be a little over a million NW by the time DW's pension hits.  With her pension covering ~50% of our spend that million should do it!!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on December 31, 2021, 03:23:29 PM
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)

I saved $27,144, and the rest is holy shit cats market growth. Golden handcuffs still firmly clamped.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Sandi_k on December 31, 2021, 03:40:03 PM
My calcs show a NW increase of $595k in 2021.

- $136k increase in our portfolio, year-over-year. Only $16k was contributions.
- $22k increase in home equity via paid-down principal, and $100k increase in value.
- $325k increase in lump-sum pension value.

Jan. 1, 2019: $2.3M
Jan. 1, 2020: $2.75M
Jan. 1, 2021: $3.1M
Jan. 1, 2022: $3.695M

Note that half of that NW is in the form of the lump sum cash value of a defined benefit pension.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SimpleCycle on December 31, 2021, 08:34:53 PM
December '12 - $161,110
December '13 - $225,147 ($64,037, 40%)
December '14 - $261,912 ($36,765, 16%)
December '15 - $272,926 ($11,014, 4%, ouch)
December '16 - $371,957 ($99,031, 36%)
December '17 - $528,534 ($156,577, 42%)

December '12 doesn't have home equity and we sold the house and rented in '13, so that's where that jump came from.  For '16 and '17 I've included very conservative estimates of home equity.

December '18 - $651,778 ($123,244, 23%)

We did well on contributions, but our conservative estimate of home equity is down and investments were a mixed bag.

December '19 - $799,312 ($147,534, 23%)

We're up more than that for the year, because I reported last December before the year end dip.  It's amazing to look back and see all the progress we've made.

December '20 - $1,115,691 ($316,379, 40%)

We broke the million mark through a combination of aggressive contributions and market gains.

December '21 - $1,443,453 ($327,762, 29%)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: McStache on December 31, 2021, 08:45:05 PM
2013 - $10k?
2014 - $49k
2015 - $101k
2016 - $180k
2017 - $288k
2018 - $318k
2019 - $442k
2020 - $575k
2021 - $775k

The market made more than I contributed this year (again) - 92k me + 108k market = 200k total
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: boarder42 on December 31, 2021, 08:53:08 PM
463k. Good year.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Holocene on December 31, 2021, 09:44:47 PM
Liquid Assets only (no home equity)
2013: 154k
2014: 222k
2015: 275k
2016: 366k
2017: 483k
2018: 712k (Inherited an IRA worth ~$200k at market lows in Dec 2018)
2019: 974k
2020: 1.2M
2021: 1.51M

Another ridiculous year.  This shit really works!  I'm well past my FI number now.  I wanted to get there on my own without including the inheritance so now I've way over saved.  The inherited IRA is my extra safety margin but I see a lot more charitable donations in my future especially if the market keeps growing nearly 30% a year!  Planning to RE in a few months.

Happy New Year everyone and congrats all on your progress in 2021!
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: NotJen on January 01, 2022, 06:09:01 AM
Year End          NW            NW change
  2014     $   426,858.76   
  2015     $   480,051.14     $  53,192
  2016     $   573,296.77     $  93,246
  2017     $   738,621.46     $165,325
  2018     $   765,895.59     $  27,274
  2019     $1,007,273.79     $241,378
  2020     $1,205,500.96     $198,227
  2021     $1,469,460.06     $263,959

Highest increase ever!  $75k of that was from my home sale (way underestimated in my tracking).  Otherwise it was all market gains since I made a whopping $8k this year.

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: RobertFromTX on January 01, 2022, 06:43:26 AM
+$108,000

37, on gross annual income of $94,000.
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: SpareChange on January 01, 2022, 09:03:19 AM
EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015
2019     381,913
2020     495,309
2021     591,399

Up 96,090. Not as good as last year, but no complaints here. The machine keeps humming along. Fuller 2021 picture:

Added approx $37/mon to SS at 62, or approx $64/mon at 70.
Increased pto bank by 34 hours to 514.
Averaged 27.37 hrs/wk at work.

$20,850.40 spent
$41,110.06 saved
56.2% of gross income saved.
66.3% of net income saved.

Congrats on all the wonderful progress! Happy New Year to everyone!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Chrissy on January 01, 2022, 09:09:47 AM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M

That's $323k of growth in savings & investments and $20k in additional home appreciation; plus, an $90k family loan was forgiven, and we received an unexpected $5k gift.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: johndoe on January 01, 2022, 09:59:03 AM
I thought it might be interesting to see (graphically) everyone who posted values recently.  You should be able to edit the Y axis range to see how your progress compares to others:

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

turns out @givemesunshine is my twin!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2022, 10:03:51 AM
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!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on January 01, 2022, 10:27:48 AM
I thought it might be interesting to see (graphically) everyone who posted values recently.  You should be able to edit the Y axis range to see how your progress compares to others:

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

turns out @givemesunshine is my twin!

Very cool!  I found my twin with 2Birds1Stone.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Wile E. Coyote on January 01, 2022, 11:24:37 AM
I little over 200k over the last 12 months.

Not quite as good this year at $180k. Saved more, but my investments didn't do nearly as well.

Up a ridiculous $660K this year, but a lot of that is inflated Zillow values.  Investments were up $241K.

Down about $50K this year, mostly due to the Zillow value of my home becoming more reasonable.  I left my full-time job and started a new venture in February 2017, so I wasn't saving nearly as much as before.  Investments were up $192K.

I've been away for a while so I missed a few years.  Over these last few years, the Zillow value of my home (which I know isn't really accurate anyway) has come down to a more normal level.  The rest of the changes are from investments. 2018 was flat as I drew out some of my investment gains for the year as I was still in the early stages of a new venture (the rest of my investment gains helped to offset the decrease in Zillow "value" of my home).  2019 things started to pick up so investment gains of $140K were able to accumulate without much drawdown.  2020 was really a good year with an increase of $410K as I was able to start adding to my investments again and the market reached new highs. Here's to 2021!

2021 was another good year financially.  Sticking with Zillow values (which I think are quite high) to be consistent with prior updates, total increase was $791K.  Excluding equity in our home, the increase was $560K.  Really mind boggling!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 01, 2022, 11:48:10 AM
Added $425k this year to exit at $3.1M liquid.

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

Guessing at value of house and total value of pensions gives us a "funny money" networth of $4.4M.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: SanDiegoFIhopeful on January 01, 2022, 11:52:19 AM
Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)
Jan 1, 2021: $1,016k ($751k in investments, $265k in home equity)
Jan 1, 2022: $1,447k ($947k in investments, $500k in home equity using a 5% discount from the avg of Zillow & Redfin's estimates for my house)

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

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

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


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

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

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

I am beyond pumped, but trying to stay realistic. We are extremely unlikely to get even half as lucky in 2020, but are aiming to make up for some of that by increasing to a 45% savings rate.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: chasesfish on January 01, 2022, 12:07:57 PM
I'm pretty excited about 2021, I had a decent bond allocation, boomer stocks, and have been a net withdrawal scenario since retiring in early 2019.  Here is the progression:

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

Almost 2/3rds of the way to the next million!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: samanil on January 01, 2022, 12:14:47 PM
Happy New Year everyone! Those are some damn impressive numbers.

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

2021 was my first year of applying Mustachianism. Seeing as my net worth almost tripled, I am pleased with the results, to put it lightly, especially since I have a modest income. Simply cannot wait to see this unfold.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 01, 2022, 12:23:41 PM
Happy New Year everyone! Those are some damn impressive numbers.

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

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

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

I have friends who started this journey 5 years ago and today hit $700k.. They have decent incomes but not huge by any stretch.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Blissful Biker on January 01, 2022, 12:39:11 PM
TNW increase of $626K CDN ($495K USD) in 2021!  Comprised of:
That's by far our largest annual increase and I am grateful to be in an excellent position to FIRE in a few months.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: TempusFugit on January 01, 2022, 12:57:42 PM
+245K in CY 2019

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

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

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

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

~$65K of that was contributions.

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: beantown on January 01, 2022, 02:08:35 PM
12/31/2015 ~ -$51K
12/31/2016 - $16K
12/31/2017 - $98K
12/31/2018 - $221K (included SO’s net worth starting this year - about $40K)
12/31/2019 - $328K
12/31/2020 - $456K
12/31/2021 - $587K

Good net worth year despite having the lowest savings rate in the last 6 years due to adding a child
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: marty998 on January 01, 2022, 05:34:36 PM
2012 - $295k
2013 - $419k
2014 - $534k
2015 - $713k
2016 - $897k
2017 - $1,082k
2018 - $1,176k
2019 - $1,330k
2020 - $1,588k

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

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

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

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

It makes sense - if your withdrawal rate is 4% and the market grows at 7%, and if you've got a reasonably safe amount of leverage, then you're going to end up in a very nice place indeed.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2022, 05:44:17 PM
Quote
Scarcely believable - growth of over $1,000 a day this year! Spread across a general combination of everything - shares, property, superannuation and debt repayments.

My gawd, I hadn’t thought about it this way before. I had similar growth.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Freedomin5 on January 01, 2022, 06:03:09 PM
+306k for us. Not bad since DH went on sabbatical in July and we went down to one income for half a year.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: DavidAnnArbor on January 01, 2022, 06:21:57 PM
 761,025   2012
921,833     2013
1,041,652  2014
1,057,308  2015
1,220,721  2016
1,514,360  2017
1,486,906  2018
1,876,021  2019
2,118,259  2020
2,649,324  2021

Just financial assets, exclude real estate which is probably 1/2 million in equity.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 01, 2022, 06:33:08 PM
December 2013:    $43,800
December 2014:    $70,200  (up $26,400)
December 2015:  $107,700  (up $37,500)
December 2016:  $153,950  (up $46,250)
December 2017:  $219,525  (up $65,575)
December 2018:  $272,446  (up $52,921)
December 2019:  $370,526  (up $98,080)

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

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

Well, that turned around!  The farm had a decent year and we had the opportunity to pay down some loans.  Our net worth is above the amount of our outstanding debt again, which always makes me feel better.  $58,300 of it was contributions.  $94,500 of it came from the farm.  The remaining $61,600 was gains in the stock market and appreciation of farm value.  Damn, that's amazing.  I don't expect a repeat of this next year, due to some farm stuff.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: fraylock on January 01, 2022, 06:46:52 PM
Jan 2019: 150k
Jan 2020: 368k (+218k)
Jan 2021:624k (+256k)
Jan 2022: 1,050k (+426k)

Grateful for the FI community; so much still to learn.  Hoping to downshift soon.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: bmjohnson35 on January 02, 2022, 12:06:28 AM

Our NW increased 13.5% in 2021.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Nate R on January 02, 2022, 12:23:15 PM
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!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Bateaux on January 02, 2022, 12:42:14 PM
Our net worth excluding any real estate, gained  $1450 a day in 2021.  Never thought it was possible.  I'm expecting about $750 a day in the future with average gains of 7 or 8 percent.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Jaayse on January 02, 2022, 07:09:20 PM
Investments only, solo journey (so far)

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)
January 2019          356500        +124500   (Sale of condo +60k, total of 144k invested)
January 2020          500000        +143500   (Change of location significantly decreased income by almost 28k)
January 2021          660000        +160000   
January 2022          861000        +201000   

I spent an extra $3,600 this year compared to last year for a total of almost $28,800, my biggest category increases were rent (+700), travel (+700 trip home and family wedding vs nothing in 2020), entertainment (+500), pet (+1200 due to terminal cancer and adopting a new pet) and clothes (+600 for the wedding and I barely bought any in 2020).  Some other categories went down, but I expect rent to increase by a lot over the next year and some other expenses to decrease, so hopefully I can continue to keep expenses below 30k.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: hydra on January 02, 2022, 07:53:25 PM
Started the year at $3,518,306 and ended at $4,441,984, for an increase of $923,678. If this keeps up, we will be on our way to Fatfire, though our tastes and lifestyle are chubby.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on January 02, 2022, 08:17:22 PM
2021 was great for me monetarily like many other Mustachians, but my kids are probably going to struggle more than I did at their age trying to afford their first homes (since prices on existing homes are up 10 - 20% and new supply is severely constrained)...  Glad I can help then with down-payments I guess, but makes me worry about those similarly caring parents that can't. 

A 2021 replay cannot be sustainable nor a situation anyone should be satisfied with...
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Abe on January 02, 2022, 08:47:29 PM
2021 was great for me monetarily like many other Mustachians, but my kids are probably going to struggle more than I did at their age trying to afford their first homes (since prices on existing homes are up 10 - 20% and new supply is severely constrained)...  Glad I can help then with down-payments I guess, but makes me worry about those similarly caring parents that can't. 

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

I agree...even here it's a bit nuts. (Not as bad as CA was, but that's a low bar.) Barring some catastrophe they'd have our house (we have just one kid), but the property taxes alone will require a substantial income. Whether they can sell it at that point is a bit of a gamble. Maybe better to downsize at a reasonable age so they're used to living with less...
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Gatzbie on January 03, 2022, 01:37:52 AM
12/31/2019 -- $126,169.78
12/31/2020 -- $214,245.98
12/31/2021 -- $334k

Added for fun:


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


I wonder what 2022 will bring. Will see!

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Turtle on January 03, 2022, 07:31:56 AM
Retirement and Investment accounts increase for the last three years, rounded to the nearest K

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

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

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

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

My little green soldiers again made more money than I did this year.  Stash is not yet to the point of counting on that, but it's great when it happens!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: mbk on January 03, 2022, 07:53:46 AM
YearNet worthDelta
2015152,80030,800
2016189,00036,200
2017219,90030,900
2018230,60010,600
2019331,500100,900
2020430,80099,300
2021640,600209,900

My net worth increased by more than $200k, which is much higher than my salary. I contributed approximately $30k to the retirement accounts. The rest is market gains and property appreciation.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on January 03, 2022, 08:24:12 AM
Speaking of increases and salary…. I wonder what my salary increase will be in 2022?  With the stock market paying so well and inflation picking up, I’m excited to see what employers have to offer!  If I’m disappointed, maybe I’ll give them a soft ER message and see what happens LOL
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: gooki on January 03, 2022, 11:40:21 AM
Time to share mine.

2019 - 450k - hit our lean FIRE figure.

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

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

Now I'm close enough to our fat FIRE number that I should be able to avoid the temptation to return to work in 2022.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: minority_finance_mo on January 03, 2022, 11:47:46 AM
Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.
December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.

2021 has been an absolute whirlwind of a year. Despite the pandemic, a cut in my income for almost half of the year, and a lack of my usual bonus, I was able to save/earn more from investments this year than I ever have in my life.

I'm ending 2020 with $424K in net assets - that's an increase of $160K in assets from the same time last year. That just feels like an absolutely unbelievable amount - I'm still in shock about how that has happened. I'm looking back at my investment contributions over the course of the last year, and I can account for ~$75K in contributions that I've made. It's possible that I've added another ~$10K or so in my cash savings. That leaves around $75K in pure investment earnings --  I'm a bit incredulous that I could make that much in investment returns, given the size of my portfolio, but my investment account summaries tend to point to a similar sum. I'm incredibly grateful for that growth and hope it will continue in the future.

To sum up, here is a summary of my financial journey to date:
Dec 2014: $554
Dec 2015: $32.2K (+31K)
Dec 2016: $100.7K (+68.5K)
Dec 2017: $149.6K (+48.9K)
Dec 2018: $208K (+58.4K)
Dec 2019: $264K (+56K)
Dec 2020: $424K (+160K)

My goal for 2021 will be to 1) cross the half-million mark in net assets and 2) match my contributions in 2020 of $85,000.

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

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

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

This next year, my goal will be to 1) contribute at least $90,000 in savings (though I'm hoping it'll be closer to $95,000), and 2) hit my giving goal of $45,000 across personal and tax-deductible charity.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: hoosier on January 03, 2022, 12:12:27 PM
Jan 1 Balances

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

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Simpli-Fi on January 03, 2022, 10:15:59 PM
Quote
Scarcely believable - growth of over $1,000 a day this year! Spread across a general combination of everything - shares, property, superannuation and debt repayments.

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

2022 is my 20 year anniversary of investing...but I've only started paying attention about 7-8 years ago.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: JAYSLOL on January 03, 2022, 10:24:10 PM
Good luck!!!

Thanks!!

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: JAYSLOL on January 03, 2022, 10:27:58 PM
End 2017 @ $64k
2018 +$18k  NW $82k @ end of 2018
2019 +$30k  NW $112k @ end of 2019
2020 +$16k  NW $128 @ end of 2020
2021 +$35k  NW $163 @ end of 2021

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

$100 a day is a cool goal!!!

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

Good luck, you can do it.

Thanks!  I think I can can do it too, but it’s going to take me getting off my ass a bit more and putting some real work and planning in
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: startingsmall on January 04, 2022, 08:26:01 AM
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!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: trashtalk on January 04, 2022, 02:02:20 PM
We are up about $350k this year including equity gains and property value (all paid off). We didn’t calculate in 2020 bc we were too depressed but we are up $700k from our last total in 2019. Our savings rate is garbage right now but at least we didn’t spend it all either.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Half Stached on January 04, 2022, 06:39:07 PM
2021 EOY: 2760K
2020 EOY: 2383K
2019 EOY: 2122K (retired in March)
2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

Crazy... it keeps going up! Despite FIREing over two years ago, I've found I'm happiest taking on consulting work for 1-2 days a week. I'm fairly picky about it so sometimes I go a few months with nothing, but I enjoy the work when its on my terms: light, lucrative, and no office politics. This also keeps me in contact with some friends I might otherwise not see and keeps my mind sharp.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Chaplin on January 04, 2022, 09:27:23 PM
2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: Do I dare make a prediction? Not this time.

2020: $230K increase (wild markets + luck putting in money during the March dip)
2021 prediction: happy with any increase since I'll be FIRE'ing midway through the year

2006: $ 40K increase
2007: $112K increase
2008: $ 38K decrease
2009: $ 88K increase
2010: $ 70K increase
2011: $ 57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $ 52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: $312K increase (updated real estate info so I revised my previous estimate of $230K)
2021: $427K increase (and I FIRE'd at the end of May)
2022: I'd be happy to see no increase or decrease, but who knows? It's a wild world out there.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 05, 2022, 08:30:41 AM

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.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: 2KidFIRE on January 05, 2022, 09:33:57 AM
EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000)

Clearly 2021 was a great year for the markets.  My wife left her job at the end of September in 2021 and I'm planning to do the same at some point in 2022; probably no later than the end of May.  Happy New Year everyone!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: maisymouser on January 05, 2022, 11:29:57 AM
Cash + Stocks:
Jan 1, 2021 - 219k
Jan 1, 2022 - 308k
Total NW Increase: 89k

Excluded increase in home equity, treat my assets as separate from DH's. Salary is 75k so I'll call this year a win!
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mississippi Mudstache on January 05, 2022, 04:48:52 PM
I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

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

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

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

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

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



Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: salt cured on January 05, 2022, 05:03:47 PM
Hit $750k for the first time yesterday. Up 43%/$229k for the year with a savings rate of 76%.

With only 19 months left on my work contract, I need to start planning what my next life looks like.

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

With only 6 months left on my work contract, I need to decide what my next life looks like.
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 05, 2022, 06:15:05 PM
Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349    (+ $99,648)
Dec 2018: $255,892    (+ $49,542)
Dec 2019: $424,020    (+ $168,128)
Dec 2020: $584,000    (+ $160,000)
Dec 2021: $788,000    (+ $204,000)

My goal is to save $100k in 2022.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Rightflyer on January 06, 2022, 05:52:08 AM
Retirement investment pots only.
(Effectively FIRE'D in 2017.)

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

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

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: clarkfan1979 on January 06, 2022, 06:15:19 AM
Retirement investment pots only.
(Effectively FIRE'D in 2017.)

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

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

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

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

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

Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: dignam on January 06, 2022, 08:20:29 AM
NW increased 47.55% in 2021 to finish at $454k. 

This just blows my mind; I remember celebrating in 2017 when I crossed the $100k NW milestone.  It really seems to be true that the first $100k is the hardest.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 06, 2022, 09:36:25 AM
It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: dignam on January 06, 2022, 10:37:53 AM
Good points Glenstache.  I think I had posted before (maybe in this thread?) that I almost feel guilty to be in the position I am during the pandemic/housing price spike.  So many peers are either struggling to make it work or simply don't have enough in the market to have captured any significant gains.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 06, 2022, 10:39:29 AM
It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

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

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

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


*... I don't think he was talking about my irresistability to the opposite sex?..:)
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Abe on January 06, 2022, 10:18:26 PM
It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

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

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

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


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

I agree with you both...though still early in my career I've had more financial success than my peers. A lot of that is privilege and luck, but some is self-control when spending money. I emphasize that while not discounting the other factors. There should always be emphasis on frugality / resilience and less on assuming wild gains in investments. The former are things one can control, the latter is not.

Regardless of the last decade or longer, I assume historically weak returns for career planning just for the extra security it provides. This brings up the idea of retirement not being binary - one can retire from a boring/stressful career to a less stressful job if there's resources (FU money) to support oneself when walking away. Having the professional and financial ability to switch can take time and effort in the first career, though. It comes down to delayed gratification, which the unusual returns in the last few years tricks us into ignoring.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Edwards on January 07, 2022, 05:02:46 AM
Did the calculations and was surprised to find an increase of $125k this year. 

2\3 of which was from market gains (it was a great year).  Like many others have stated, happy with the results but won't expect to always have a similar output.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: firedupready2go on January 07, 2022, 08:39:06 AM
It was a good year for saving and investing!

January 1, 2021
Net Worth: $263,691
Invested Assets and Liquid Savings (i.e. - removed home equity): $163,691

January 1, 2022
Net Worth: $370,898
Invested Assets and Liquid Savings (i.e. - removed home equity): $251,537

Our overall net worth increased by more than $100,000 - which was my approximate goal for the year. Hoping for greater things in 2022!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: YttriumNitrate on January 07, 2022, 08:58:45 AM
So tallying up my investments and expenses for 2021, my net worth (excluding any appreciation in my primary residence) increased by 7x my annual expenses. Yay! On the downside, that 6.8% inflation eroded away more purchasing power than my entire pre-tax salary in 2021. D'oh!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: trashtalk on January 07, 2022, 09:00:02 AM
So tallying up my investments and expenses for 2021, my net worth (excluding any appreciation in my primary residence) increased by 7x my annual expenses. Yay! On the downside, that 6.8% inflation eroded away more purchasing power than my entire pre-tax salary in 2021. D'oh!
This is the best and most mustachianly correct way to report this. Congrats on the first part, that’s amazing, and sorry about the inflation, heh.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Jack0Life on January 10, 2022, 10:23:37 AM
We had a huge jump of $317,486. I broke it down.
$150,000 of that I bumped up our houses value because the Florida market is insane. I have a rental.
$149,843 was investment returns with minimal returns from rental and loan.
That leaves $17,807 from savings. My wife only made $30k before she quit and I only made roughly $40k once I got hired back. I would say we lived on roughly $50k in 2021.
We filed ACA for 2022 with an estimated income of $52k minus $12k IRA contributions making our MAGI at $40k. They gave us a subsidy of $1080 with that MAGI.
Our plan going forward is $52k every year which should barely cover our expenses and not touch our stash. My wife is great at clothes alteration and hopefully she can make some side money doing that.
We are CoastFIRE and this is our plan going forward.
Our stash won't grow as fast as everyone else but we feel what we have is plenty.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: getsorted on January 15, 2022, 02:11:31 PM
Mint says it's up almost $16,000, which is over a 100% increase for me at the moment. Most of that is increase in the value of my home according to Zillow-- which is probably undervaluing since I have also replaced the roof and attic insulation, AC unit, and rehabilitated several dangerously neglected trees. However, I started 2021 with $10,000 in personal debts (thanks, divorce) that have now been paid off, and added almost $5,000 to my 401(k) and $5000 to my son's college fund. Next year should be an even bigger improvement as I'm now in a position to undertake more Mustachian enterprises and am down to only $2200 in medical debt, plus my mortgage.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Gingersnaps on January 18, 2022, 12:47:40 PM
A little late but my annual net worth update. Skipped the 2s entirely! Considering I've not worked since March I'm delighted

Jan 2020: £91,386.49
Jan 2021: £188,852.81
Jan 2022: £311,227.59
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: EarlyInJourney on January 18, 2022, 05:58:05 PM
I don't have neat apples-to-apples EOY totals, but close enough for my purposes:

12-9-2017:  (64K)  (discovered MMM)
10-15-2018:  (46K)  (got married) (up 18K)
11-27-2019:  2K (paid off last CC debt) (up 48K)
12-30-20:  45K (had a baby) (up 43K)
1-10-2022:  169K (52K student loan forgiven) (up a whopping 124K!)

As always, it's gratifying to take a step back and see the long term progress.  Checking balances week-to-week really affects my perception of how I'm doing; it makes it seem like I'm crawling along so slowly, when I'm really doing just fine, I think - I'm up 233K in the 5 years since I found MMM and really started paying attention. 

I'm really happy that I have no debt, and have vested, reasonably solid pensions (not included in NW calculations), which should/will give me $2.7K/mo starting at age 62, or $3.5K at 65. Like others have said, I'm not taking the past decade of great market returns for granted, and am trying to psychologically prep myself for the inevitable downturn ("don't focus on your portfolio value drop - stocks are on sale!").

In any case, congrats to everyone for great progress towards your goals and dreams!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Miss Piggy on January 18, 2022, 07:05:35 PM
Up $431,000 and some change with zero effort. Jeez...that's outrageous. Wish I could tell someone IRL, but I'll stick with just sharing it here.

Congrats, everyone!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: AJDZee on November 02, 2022, 08:19:13 AM
[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Dicey on November 02, 2022, 08:45:36 AM
[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)
I was thinking the same thing as I scanned the January posts, lol. As long as people don't panic, they'll be fine. Welcome back!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Turtle on November 02, 2022, 01:26:03 PM
[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)

I expect I'll be comparing number of shares owned as a way to keep perspective.  It's an advantage of still being in accumulation phase for investments.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: marty998 on November 12, 2022, 04:18:15 PM
[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)
I was thinking the same thing as I scanned the January posts, lol. As long as people don't panic, they'll be fine. Welcome back!

Ha it's been a strange sort of year... first time in a long time we've had a persistent bear market, well, one that lasts more than 30 days.

I'm actually up a fair bit. For a number of reasons:
- One lithium stock investment I sold for a 275% profit (held for 4 years, very rocky share price that one, at one stage being down 80%).
- I'd switched most of my retirement savings to cash & fixed income in September 2021 when Evergrade was teetering (and that shemozzle still hasn't resolved itself yet). I switched back to mostly Australian equities in various chucks in July and October when the Australian market hit lows, so I won the market timing game there several times, especially with Australia being one of the better performing markets this year.
- I wasn't exposed heavily, if at all to US tech stocks. I never jumped on the Nasdaq bandwagon.
- I've paid down about $100,000 of investment debt - guaranteed returns there with interest rates rising.
- I avoided crypto like the plague.

Still a month and a bit to go, but 2022 has been a good year. Not great, but I'll take up and good in a year like this.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: clarkfan1979 on November 12, 2022, 04:50:19 PM
Retirement investment pots only.
(Effectively FIRE'D in 2017.)

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

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

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

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

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

It took about 8 years to go from zero to 700K.

It took another 3 years to go from 700K to 1400K.

*We were both working full-time in the beginning and then my wife switched to part-time work in year 4. We had a kid in year 6.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Money Badger on December 18, 2022, 05:21:16 PM
This classic thread never gets old...   I love the smell of compounding interest in the morning... It smells like... VICTORY!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: catccc on December 21, 2022, 09:42:31 AM
The present that I gave myself this year was investing nearly 90K in a down market.
The present the down market gave to me was -$250K, NW went from around $1.9M to $1.65M.

I was on the cusp of RE but nervous about the market taking a turn.  I guess I'm just grateful that the timing of everything is not too shabby.  I was considering walking away from work this summer, but I got a promotion and raise at the start of the year, which made me want to stick around longer.  This was also the first year I had to DCA our IRA contributions (every prior year, I've invested a lump sum ASAP in January).  Cash flow changed and I (fortunately) couldn't continue that tradition this year.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Abe on December 21, 2022, 08:12:11 PM
Our net worth went up about $183k, or ~20% due to a lot of savings this year despite the stock market drop of 10% this year. I actually didn't realize we saved that much until calculating it for this thread! Our goal is $2.5m (I know, I know, just like to have a big cushion). I think we can make that in 6 years with 0% return on investment, or 4 years if that goes up to 8% annually.

This year - we bought a rental, traded in a car for an electric one, and installed batteries for the house. Also blew an embarrassing amount of money on vacation (totally worth it after 2 years of pandemic).
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: RWD on December 21, 2022, 08:15:07 PM
We're down roughly $60k since January 1st. Couldn't out-save the stock market drop.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Sugaree on December 22, 2022, 05:09:23 AM
I won't have official numbers until the beginning of the year, but as of today my net worth is up $1067 despite contributions of more than $30k.  Ten years ago that would have been enough to scare me off investing forever.  Now, I'm saying "bring it on."
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: charis on December 22, 2022, 08:21:55 AM
Our net worth is technically up due to house appreciation and a pension vesting, but investments are still down at least 30k after saving almost 90k during the year.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: YttriumNitrate on December 22, 2022, 08:41:05 AM
In terms of financial assets, it looks like I'll be down about $200k this year even with new contributions. Appreciation of non-primary residence real estate offsets roughly $20k of that loss (according to Zillow). The big winner this year was some new commercial real estate that more or less offset the losses in the other areas to make 2022 a flat year (or possibly a bit up).
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: FIPurpose on December 22, 2022, 09:05:14 AM
I'm also down a bit though not as much as others here. About 20k down overall

A lot of my stock investments were balanced by my energy etfs staying solid, fundrise continues to be a solid investment with around 5% returns this year, I bought a house, so withdrew a good chunk of money back in May. And I seem to do more bonds than most people here (Around 20-25%), iBonds, and other bonds have done about 5% better than stocks.

Overall, my net worth is down about 2.5%. Not bad for an down year. So looks like I probably won't be hitting the million mark next year, but one can dream.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: JAYSLOL on December 22, 2022, 02:47:21 PM
I’m on track to just barely beat my savings goal that I changed from $100/day to $110/day for 2022, so I will have saved just over $40k this year, but NW is looking like up just over $30k because of the market.  Frankly I’m glad prices are down this year and hope we get a fairly extended lower market so I can pile in the money while it’s down for once.  I really haven’t paid nearly as much attention to NW as savings and savings rate, it was easier to be motivated to set personal savings records than work towards a net worth goal in a falling market.  Final numbers to come by the new year
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: JAYSLOL on December 30, 2022, 09:58:23 AM
I’m on track to just barely beat my savings goal that I changed from $100/day to $110/day for 2022, so I will have saved just over $40k this year, but NW is looking like up just over $30k because of the market.  Frankly I’m glad prices are down this year and hope we get a fairly extended lower market so I can pile in the money while it’s down for once.  I really haven’t paid nearly as much attention to NW as savings and savings rate, it was easier to be motivated to set personal savings records than work towards a net worth goal in a falling market.  Final numbers to come by the new year

Final numbers in and I did save exactly $110/day this year.  I’m not sure what to expect for 2023 yet, although I’m definitely hoping to level up my savings even more, I’ll set a starting goal of $125/day for 2023. 
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: StarBright on December 30, 2022, 10:54:39 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Midwest_Handlebar on December 30, 2022, 07:08:16 PM
Up $250k for the year, but 1/2 of what I forecast on 1/1/22. The stock market sucked this year, but it would be silly to complain. Semi monthly paychecks are increasingly inconsequential.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: w@nker on December 30, 2022, 07:16:20 PM
NW down about $250k on the year, despite about $400k of savings.  I am rooting for some continued weakness so that I can keep plowing away amid reasonable valuations.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: McStache on December 30, 2022, 07:49:19 PM
2013 - $10k?
2014 - $49k
2015 - $101k
2016 - $180k
2017 - $288k
2018 - $318k
2019 - $442k
2020 - $575k
2021 - $775k
2022 - $697k

Added about $50k then assets are down about $130k. First year I couldn't offset (paper) losses with savings - the market definitely has more influence than me on my net worth these days.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: onecoolcat on December 30, 2022, 09:53:42 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: soccerluvof4 on December 31, 2022, 03:13:23 AM

I am still down a little over 450k but being Fire'd I am living on my cash reserve for now which will run out in another 2 years about with profit taking as the market out ran itself the last few years. Plus I am adding back in on dips. Hopefully by then the market will figure its way out but who knows. Just hanging in there.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: theninthwall on December 31, 2022, 06:20:18 AM
End of 2020 - $447k
End of 2021 - $627k
End of 2022 - $706k

Both my wife and I’s income increased this year, so it was a little disheartening to ‘only’ increase by $70k, but then we have to look at just how fortunate we are compared to the vast majority of people in the world. We are thankful to have our health and each other.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Gone Fishing on December 31, 2022, 07:38:37 AM
Probably down on account of market movements.  Don’t really pay much attention to it anymore…
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: SotI on December 31, 2022, 09:15:25 AM
I am basically down by 15k bucks on financial assets despite plunging another 50k or so in as additional savings/investments.
So, not much of an increase compared to last year ... Still, it could be worse, but I hope that the monthly investments will still build up.

Mind, the equity part wasn't quite THAT bad. My most substantial  losses are from (older) bonds that I use  as secondary backup funding but fortunately it*s less than 20% of my portfolio.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Sandi_k on December 31, 2022, 10:52:10 AM
Total Net Worth is up for 2022, but investments are down 15%, with a 70/30 portfolio.

Bummer.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: MissNancyPryor on December 31, 2022, 12:08:07 PM
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.       
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: ender on December 31, 2022, 12:12:44 PM
Looking like about $0 roughly.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Miss Piggy on December 31, 2022, 03:06:08 PM
Down 18% compared to a year ago. *cry*
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: waltworks on December 31, 2022, 09:47:12 PM
Looks like I was down about 3% in liquid assets, and who the heck knows on my house - 25%?

I'll take it.

-W
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: NotJen on December 31, 2022, 09:57:32 PM
My NW decreased in 2022 by $244k - FIREd, so no real contributions this year.  But I'm still up 22% since my retirement date in 2019, so I'm good.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: SpareChange on January 01, 2023, 08:16:00 AM
EOY    Networth (US$)   
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!!
Title: Re: Net worth increase 2018 (i.e. the 'present' you give yourself)
Post by: Chrissy on January 01, 2023, 08:55:20 AM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M
2022:  $1.440M
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on January 01, 2023, 09:29:45 AM

* 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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Blissful Biker on January 01, 2023, 12:17:37 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Log on January 01, 2023, 12:39:25 PM
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!
Title: Re: Net worth increase 2019 (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 01, 2023, 01:41:29 PM

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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: 2KidFIRE on January 02, 2023, 12:24:31 PM
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!
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 02, 2023, 12:34:29 PM
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. 
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Glenstache on January 02, 2023, 01:07:55 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Gatzbie on January 02, 2023, 09:00:50 PM
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.
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on January 02, 2023, 10:26:51 PM
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)

Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 03, 2023, 06:59:00 AM
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
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Nate R on January 03, 2023, 08:39:16 AM
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.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Nate R on January 03, 2023, 08:41:14 AM

* 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?
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on January 03, 2023, 10:48:21 AM
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
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 03, 2023, 11:27:45 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: ATtiny85 on January 03, 2023, 02:22:45 PM
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...)
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: dandarc on January 03, 2023, 03:23:45 PM
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.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: startingsmall on January 03, 2023, 04:20:19 PM
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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Holocene on January 03, 2023, 04:48:46 PM
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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: AccidentialMustache on January 03, 2023, 10:03:48 PM
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?"
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: clarkfan1979 on January 04, 2023, 04:51:45 AM
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.   
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: ATtiny85 on January 04, 2023, 06:20:38 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: OttawaNeal on January 04, 2023, 06:36:56 AM
Dec 2017 - 543K
Dec 2018 - 604K
Dec 2019 - 802K
Dec 2020 - 897K
Dec 2021 - 1.18M
Dec 2022 - 1.10M
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: vand on January 04, 2023, 06:55:32 AM
Stripping out the noise - 3 years' of progress.
Not my real numbers, but not far off.

(https://i.postimg.cc/ydnLTknp/Capture.png)
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 04, 2023, 09:44:27 AM

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).
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: zygote on January 04, 2023, 11:02:10 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 04, 2023, 11:30:44 AM
*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...
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: The Beebsta on January 06, 2023, 01:24:07 AM
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+.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Gerard on January 07, 2023, 09:37:35 AM
*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?
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 07, 2023, 11:30:44 AM
*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
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: marty998 on January 08, 2023, 05:18:02 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: EscapeVelocity2020 on January 08, 2023, 12:49:25 PM
...
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 (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$2m-to-$3m/msg1432786/#msg1432786)!  Your custom jacket and accoutrements are in the mail ;)
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Gingersnaps on January 08, 2023, 01:43:04 PM
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
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: marty998 on January 09, 2023, 03:59:34 AM
...
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 (https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-$2m-to-$3m/msg1432786/#msg1432786)!  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  ;)
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: londonbanker on January 13, 2023, 05:51:40 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: AJDZee on January 15, 2023, 09:56:04 AM
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. :)
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Sailor Sam on January 16, 2023, 11:53:28 AM
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!
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: marty998 on January 17, 2023, 04:30:11 AM
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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Must_ache on January 17, 2023, 06:32:55 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: mbk on January 18, 2023, 08:23:33 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: iris lily on January 18, 2023, 12:49:08 PM
For the first year in a while, we are down. Around 7%.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Loren Ver on January 18, 2023, 01:37:52 PM
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
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Omy on January 19, 2023, 02:28:05 PM
We are only down 9% in 2022. We are still up over 20% since retiring in 2019...so no complaints.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Travis on January 28, 2023, 08:56:23 PM
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.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SDF on February 10, 2023, 01:48:02 PM
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!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: YellowCat on May 31, 2023, 04:05:26 AM
Dec 2019: $1,030,547
Dec 2020: $1,355,244 (+$324,697)
Dec 2021: $1,778,865 (+$423,621)

May 2023: $1,900,474
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: ATtiny85 on May 31, 2023, 06:22:45 PM
Dec 2019: $1,030,547
Dec 2020: $1,355,244 (+$324,697)
Dec 2021: $1,778,865 (+$423,621)

May 2023: $1,900,474

Impressive! We are still behind Dec 2021 by about 8%, despite an awful lot of buying. I expect to surpass our old high by the end of the year. That’s what my plan is, too bad all I can control is the buying.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: The Beebsta on December 23, 2023, 10:48:30 PM
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+.

I've updated our balance sheet for year end as I will be away over the New Year period, so figured it was a good time to share it here and revive this thread for everyone's annual updates.

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)
Average increase per year $175k.

Overall, the big increase in the share market in the last month or two has rescued us, to give us a slight upwards increase of $83k/4%. Much less than our average of $175k/12%, but still a positive number.

Things were much slower on the business front than expected. Once again, I'm expecting the first users for the SaaS business to start in Q1 of this year. It will actually happen this year, as we have a company lined up to start using the system in Mid-January 2024. As a result, SO had no income as they were still working on the business full time. Being in Australia, our mortgages came off fixed interest and increased hugely. We now pay something like $11k per month in mortgage payments. It's crippling us. I was fortunate in that my contract got extended until April 2024. I think after this, there won't be anymore extensions, so it's crunch time for the business and for SO to start bringing in some cash.

My 2024 financial goals are very similar to 2023 - increase Net worth by $250k+ (to $2.6m) and to have a household gross income (incl. business net profits before tax) of $400k+. This time I'm going to explicitly state that my financial goal includes launching the SaaS product into the market in Q1 2024, and earning at least $100k revenue from it, ideally more.

I'm looking forward to seeing everyone else's updates as the year end figures roll in!
Title: Re: Net worth increase 2023 (i.e. the 'present' you give yourself)
Post by: achvfi on December 24, 2023, 12:56:11 AM
Updating title - 2023 increase should have been a great for most as some stock markets reached their last high.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: 2Birds1Stone on December 24, 2023, 06:05:03 AM
EOY....

2014- $84
2015- $160
2016- $308
2017- $445
2018- $521
2019- $718
2020- $800
2021- $1020*

Wowza.

*baring any crazy market slide this afternoon

Forgot to update last year but....

2014- $84
2015- $160
2016- $308
2017- $445
2018- $521
2019- $718
2020- $800
2021- $1020
2022- $1315
2023- $1600*


*estimate, as anything can happen between now and next Friday afternoon.

Thankfully our highest income years were in 2021/2022 during the bear market, before FIREing earlier this year.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: fuzzy math on December 24, 2023, 10:59:27 AM
For 2023 we're up $225k from our previous high. That's measured using my high from Jan 4, 2022. If I'd used net worth at end of 2022 (which was lower) my 2023 increase would have been higher but I'm just looking at "net" net worth increase. Not going to give myself an extra pat on the back just because 2022 sucked.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Turtle on December 27, 2023, 10:54:27 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Turtle on December 27, 2023, 11:22:56 AM
For 2023 we're up $225k from our previous high. That's measured using my high from Jan 4, 2022. If I'd used net worth at end of 2022 (which was lower) my 2023 increase would have been higher but I'm just looking at "net" net worth increase. Not going to give myself an extra pat on the back just because 2022 sucked.

Annual increase is one statistic, increase above previous high is another.  Both deserve pats on the back.  You're doing great!

Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SaucyAussie on December 29, 2023, 10:16:44 AM
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
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: McStache on December 29, 2023, 06:10:57 PM
2013 - $10k?
2014 - $49k
2015 - $101k
2016 - $180k
2017 - $288k
2018 - $318k
2019 - $442k
2020 - $575k
2021 - $775k
2022 - $697k
2023 - $917k

Net worth is up $220k YoY. Added about $120k, siphoned off about $40k (seeded a DAF and bought a car), then assets are up about $140k. I had my highest earning/saving year to date and yet my stash out-earned my savings. Feels good.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Chrissy on December 30, 2023, 10:58:57 AM
2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M
2021:  $1.618M
2022:  $1.440M
2023:  $1.910M
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: fuzzy math on December 30, 2023, 12:06:54 PM
For 2023 we're up $225k from our previous high. That's measured using my high from Jan 4, 2022. If I'd used net worth at end of 2022 (which was lower) my 2023 increase would have been higher but I'm just looking at "net" net worth increase. Not going to give myself an extra pat on the back just because 2022 sucked.

Annual increase is one statistic, increase above previous high is another.  Both deserve pats on the back.  You're doing great!

Thanks @Turtle!!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: startingsmall on December 30, 2023, 01:25:17 PM
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)
Title: Re: Net worth increase 2020 (i.e. the 'present' you give yourself)
Post by: Michael in ABQ on December 30, 2023, 01:55:01 PM
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)

2018 - $65k
2019 - $92k
2020 - $146k
2021 - $149k (with business equity - $243k)
2022 - $131k (with business equity - $252k)
2023 - $156k (with business equity - $254k)

Business value is probably understated but overall it's been a tough year. All of the profit from the business (plus a line of credit) is being reinvested in building a new website and associated migration as well as branding, intellectual property protection, and other medium to long term projects. It should be pay dividends in the future but for now our costs are going up without a commensurate increase in revenue and contribution margin.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: rebel_quietude on December 31, 2023, 09:30:33 AM
$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:

Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: JupiterGreen on December 31, 2023, 01:45:28 PM
$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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: The Beebsta on December 31, 2023, 06:08:30 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Wintergreen78 on December 31, 2023, 06:54:31 PM
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.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: YellowCat on January 01, 2024, 06:44:38 AM
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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: iris lily on January 01, 2024, 07:50:42 AM
Gain in 2023 was $200,000 and I am thrilled because I did not expect that, for several reasons.
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2024, 08:46:54 AM
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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: SpareChange on January 01, 2024, 09:11:34 AM

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.

Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: zygote on January 01, 2024, 09:25:21 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Log on January 01, 2024, 09:56:41 AM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: iris lily on January 01, 2024, 10:56:48 AM

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!!!!!
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on January 01, 2024, 01:21:22 PM
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 (;
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Longwaytogo on January 01, 2024, 01:28:32 PM
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
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: G-dog on January 01, 2024, 01:40:44 PM
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 (;

See what time in the market does @Longwaytogo!  It’s magic - pure magic.

Cruises sound interesting to me except for - trapped in crowd, norovirus, and/or COVID or other outbreak.  Balmy islands sound goid too, though Spouse isn’t very interested in that environment.
Title: Re: Net worth increase 2016 (i.e. the 'present' you give yourself)
Post by: Rubyvroom on January 01, 2024, 03:00:25 PM
* 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!
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: onecoolcat on January 01, 2024, 04:32:36 PM
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.
Title: Re: Net worth increase 2014 (i.e. the 'present' you give yourself)
Post by: Apples on January 01, 2024, 07:53:47 PM
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! 
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: 2KidFIRE on January 01, 2024, 09:01:33 PM
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!
Title: Re: Net worth increase (i.e. the 'present' you give yourself)
Post by: Imustacheyouaquestion on January 01, 2024, 10:08:11 PM


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)

Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: waltworks on January 01, 2024, 11:06:29 PM
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
Title: Re: Net worth increase 2021 (i.e. the 'present' you give yourself)
Post by: Nate R on January 02, 2024, 06:13:24 AM

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
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: couponvan on January 02, 2024, 04:02:50 PM

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).
Title: Re: Net worth increase 2023 (i.e. the 'present' you give yourself)
Post by: mbk on January 04, 2024, 05:26:15 PM
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)

Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 20, 2024, 05:36:14 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: evanc on January 25, 2024, 01:41:52 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: Exflyboy on January 25, 2024, 02:47:03 PM
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.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: RWD on January 25, 2024, 09:33:18 PM
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! Almost exactly too: $1,001,800 increase from 12/31/2017 to 12/31/2023.
Title: Re: Net worth increase 2022 (i.e. the 'present' you give yourself)
Post by: OttawaNeal on January 26, 2024, 11:36:12 AM
Jan 2018:  543K
Jan 2019:  605K
Jan 2020:  802K
Jan 2021:  897K
Jan 2022:  1.18M
Jan 2023:  1.10M
Jan 2024:  1.33M
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: Mississippi Mudstache on January 29, 2024, 12:24:58 PM

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:
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.
Title: Re: Net worth increase 2017 (i.e. the 'present' you give yourself)
Post by: SDF on February 06, 2024, 02:01:13 PM
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!