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

[nora]

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

[couponvan]

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....

[Zoot]

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 thread for your next million!

[Parizade]

My net worth increased by 80K last year while my COL decreased by about 20K

[SnackDog]

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 thread for your next million!

I thought the next level after two commas was three commas!

[Zoot]

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!

[oldtoyota]

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!

[DarkandStormy]

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.

[MVal]

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!

[sw1tch]

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

[Pooplips]

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

[dandarc]

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.

[reverend]

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

[G-dog]

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!

[SwordGuy]

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. 

[marty998]

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 :)

[Tigerpine]

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).

[londonbanker]

Good year for me too... NW went up Ł229k 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 - Ł1,738k +Ł229k
4Q16 - Ł1,509k

[dude]

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.

[onlykelsey]

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.

[wannabe-stache]

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

[sol]

Your numbers are confusing, wannabe.  Do you really have less than five dollars in liquid net worth, tracked down to the penny?

[Lews Therin]

you probably have to add a few zeros Sol. reasonable way to hide the true amount.

[2Birds1Stone]

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.

[DavidAnnArbor]

At 2.5 million dollars are you sure you're not ready to retire ?

[wannabe-stache]

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.

[marty998]

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.

[onlykelsey]

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.

[eazyebeneezer]

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!

[aspiringnomad]

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!

[marty998]

*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.

[mustachepungoeshere]

*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.

[2Birds1Stone]

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 :)

[SaucyAussie]

Can't we at least wait until the year ends! ;)

[couponvan]

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.

[SwordGuy]

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?

[G-dog]

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.

[startingsmall]

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!

[couponvan]

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.

[SwordGuy]

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!

[englishteacheralex]

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.

[startingsmall]

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!

[MM_MG]

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. 

[givemesunshine]

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.

[kayvent]

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.

[SwordGuy]

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.

[Abe]

We saved $65k but are currently down $8k since Jan 1st. Only $57k increase but next year’s expenses will be much less.

[BeautifulDay]

            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.

[mustachepungoeshere]

December 9, 2015: $53,000
December 9, 2016: $181,000
December 9, 2017: $238,000
December 9, 2018: $301,000

[soccerluvof4]

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..