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

[happy]

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.

[Eric222]

NW increase in 2018:

2017 NW Change:  +$130k

Dec 31 2017:  -$160k
Dec 31 2018 (approx):  $4k

2018 NW change:  $164k

Woot!

[G-dog]

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

[Eric222]

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.

[G-dog]

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.

[2Birds1Stone]

I'm very impressed regardless of income!

[kendallf]

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! 

[EricNYC]

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!!!)

[11ducks]

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!

[tralfamadorian]

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.

[SwordGuy]

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.

[bigchrisb]

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

[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.

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.

[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.

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.

[thesis]

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

[dude]

YOY NW increased by $114,439.

[lexde]

NW increased by $28K. Finally paid off student loans, now in the build-wealth phase.

[dude]

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!

[lexde]

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.

[Bird In Hand]

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

[StarBright]

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.

[tralfamadorian]

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.

[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.

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. 

[MM_MG]

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.   

[sol]

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.

[SwordGuy]

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.

[mrmoonymartian]

My self-worth is up about 20% this calendar year, entirely from frugaling. Investment returns alone would be subtractive.

[onecoolcat]

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

[nnls]

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

[Threshkin]

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.

[ACyclist]

95K 2015
147K 2016
287 2017
528K 2018 (found this place and added the rest of my holdings, and sold a house)

[soccerluvof4]

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.

[iris lily]

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.

[fuzzy math]

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.

[Edubb20]

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.

[sol]

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, 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.

[Threshkin]

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, 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!

[Gin1984]

We increased our net worth by $45,000.

[waltworks]

Looks like as of today, we are down in NW by about $23k. Not too shabby given the performance of the stock market.

-W

[LPG]

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.

[30to40]

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 :)

[Roots&Wings]

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!

[SnackDog]

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.

[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.

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.

[E.T.]

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!

[G-dog]

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.

[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.

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.

[aceyou]

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. 

[SwordGuy]

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. 

[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.

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.