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

[tralfamadorian]

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

[infogoon]

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.

[icbatbh]

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.

[marty998]

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!

[max9505672]

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).

[aspiringnomad]

12/15/16: $833k
12/15/17: $1,176k

+$343k

91% is market contributions, vesting, and growth; 9% is real estate paydown and appreciation.

[tralfamadorian]

That is an awesome 2 year gain. Nicely done!

Thank you! Real estate is a magical thing.

[big_slacker]

$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

[Nate R]

$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

[big_slacker]

$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

[startingsmall]

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. 

[Chippewa]

Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865

[MM_MG]

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

[Apple_Tango]

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.

[sol]

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.

[soccerluvof4]

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.

[SnackDog]

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.

[JohnGalt]

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.

[RWD]

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!

[horsepoor]

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.

[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!

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.

[wannabe-stache]

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.

[max9505672]

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?

[wannabe-stache]

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.

[CheapskateWife]

Jan 2016: 33,972
Jan 2017: 71,837

Increase $37,865

Holy smokes!  More than doubled in a year?  That is impressive indeed!

[EngineeringFI]

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.

[midwesterner1982]

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.

[actionjackson]

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.

[max9505672]

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!

[SimpleCycle]

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.

[jmechanical]

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.

[marty998]

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 🙂

[11ducks]

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!
 

[marty998]

Thanks @11ducks, you seem to be accelerating nicely too!

[mustachepungoeshere]

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!

[fuzzy math]

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!

[RWD]

We're looking at roughly $160k increase for the year. About $55k more than I had estimated, thanks to the stock market.

[BTDretire]

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...

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.
 

[Lews Therin]

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.

[aceyou]

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

[RockytopinDC]

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).

[aneel]

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.

[Morning Glory]

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

[sisto]

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.

[valk001]

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

[Midwestache]

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

[sisto]

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?

[ysette9]

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.

[valk001]

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.

[powersuitrecall]

This year our NW increased by about $220K - the highest yearly increase we've ever seen.  Compound returns in action!