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

[CanuckExpat]

down about 50%

Divorce'll do that.....

Recalculate as net worth per capita
Or net worth per kg

[oldtoyota]

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.

[ixtap]

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, 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.

[Travis]

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.

[happy]

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

[N]

Dec 2013:       -5311.00
Dec 2014:        9484.00
Dec 2015:     73,369.00
Dec 2016:   129,871.00
Dec 2017:   164,437.00

[marty998]

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 :)

[happy]

Too true Marty998, but my house was way more than we need: a CLOWN house, not just a clown house.

[bownyboy]

1st Jan 2017 - £346k
1 Dec 2017 - £452k

An increase of £106k!

Things that made this possible:

• I used the UK pensions tracing service and found an old pension from 1992 that I never contributed to and it was worth £38k!
• I quit my job and went contracting through a new Ltd company and doubled my take home pay
• The market!

Hoping to hit £550k by end of 2018 with some serious saving.

[itchyfeet]

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.

[NorCal]

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).

[couponvan]

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.

[SaucyAussie]

Single. Chugging along.  I just wish I had started this at 22 instead of 42.

2013 - $0
2014 - $68K
2015 - $152K
2016 - $238K
2017 - $350K
Years to FIRE - 7.51

Theoretically, I could hit $500K by the end of 2018, but would need a lot to go right.

[Paul | pdgessler]

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

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).


[OurTown]

$558 now, it looks like it was $438 last December.  Increase of $120k. 

[ChipmunkSavings]

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).

[recklesslysober]

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.

[Exflyboy]

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.

[mustachepungoeshere]

December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

[happy]

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.

[marty998]

December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000

Well done :) $300k for sure next year!

[mustachepungoeshere]

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.

[kayvent]

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.

[ACyclist]

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.

[2Birds1Stone]

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.

[MaybeBabyMustache]

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.

[Murse]

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.

[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.

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.

[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).

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.

[ixtap]

39.9% increase, almost exactly 50/50 savings vs growth.

[Closer2theSKY]

December 2016: $88,000
December 2017: $148,000

Just discovered the MMM community last year and feeling motivated and inspired. Way to go, everyone!

[Jenny1974]

December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!

[NinetyFour]

December 2016                     $1,484,626
As of December 11, 2017       $1,813,340

Increase of $328,714 . . . . WOW!

WOW is RIGHT!!  :D

[dude]

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.

[sol]

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.

[itchyfeet]

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”.

[Lan Mandragoran]

April17 - December 17
30k - 57K = 27k in 8 months. Bout 115$ a day.

Peanuts to all of you counts, but still proud of it :).

[Wolfsheim]

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

[NinetyFour]

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!

[boarder42]

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!

[dude]

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?

[dude]

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!

[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.

2017-577K

Another stellar year. 

[Lan Mandragoran]

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.

[Mississippi Mudstache]

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.

[CheapskateWife]

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

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

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

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

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).

[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!

December $334,000

What?! This FIRE stuff is bananas. We didn't even earn as much as our investments have gone up.

[icbatbh]

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?

[Jaayse]

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.)

[meatgrinder]

$1.5MM 2016
$2.0MM 2017

Driven mostly by the market