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

[horsepoor]

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.

[freeedom]

12/31/15 - 71k
12/16 - 130k

Pretty amazing growth.

[onecoolcat]

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!

[Exflyboy]

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.

[morninglightmountain]

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.

[Glenstache]

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?

[Socmonkey]

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.

[shanghaiMMM]

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!

[mrteacher]

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!

[mskyle]

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.

[morninglightmountain]

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.

[Threshkin]

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!

[givemesunshine]

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!

[NinetyFour]

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!!!!!

[obstinate]

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.

[ASquared]

2016 - 637K (current, should actually be a little higher)
2015 - 553K
2014 - 502K
2013 - 405K

[dude]

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)

[2Birds1Stone]

1/1/2014 - $60,000
1/1/2015 - $83,000
1/1/2016 - $140,000
1/1/2017- $255,000 (projected)

[minority_finance_mo]

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?

[anotherAlias]

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.

[sol]

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.

[FrugalFisherman10]

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

[MishMash]

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

[hoosier]

Jan 1


2014: 238K
2015: 264K
2016: 292K
2017 (p):397K

[Enigma]

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)

[2Birds1Stone]

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.

[rob in cal]

  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.

[Landslave]

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!

[letired]

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.

[itchyfeet]

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.

[KelStache]

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

[Zoot]

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.  :)

[dragoncar]

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

[recklesslysober]

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)

[ysette9]

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!

[Exflyboy]

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?..:)

[acooper610]

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!

[ysette9]

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.

[Exflyboy]

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..:)

[gimp]

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.

[marty998]

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 :)

[mustachepungoeshere]

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.

[hoosier]

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.

[Bateaux]

January 1.3 M
December 1.575

[dividendsplease]

end of 2015: 27,198

found MMM

end of 2016 proj: 81,257

[Gerard]

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!

[AllTheLights]

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).

[Bracken_Joy]

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)

[SwordGuy]

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

[Zaga]

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)