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

[happy]

Yes indeed, it was welcome. I've been working on my parents house all day today and came home completely exhausted without a NYE plan (except for "get pissed at home"). The house is now empty for the painters on 2/1. DD is hosting a NYE party for her friends.  The house is full of my parents furniture and mattresses for the fall out of the party.

[salt cured]

Saved $124k while net worth increased $98k *shrug*

[winkleweizen]

760>930

[chasingthegoodlife]

Solo stash increase - $21,978
Mortgage payoff - $13,428
Total increase - $35,406

Given the recent market falls I'm happy with that.

Savings rate currently sitting at around 51% of after tax pay. (Plus employer super contributions).

2019 is the year we combine finances, add a baby and downshift, so next year's update will be very different.

[happy]

Its difficult to estimate my net worth since the value of my PPOR is difficult to estimate and the housing market has cooled in the last 3 months. Best case scenario I'm line ball. Worse case scenario I'm down 150k.

I'm not bothered by this as I am midway through subdivision and renovation - probably at the lowest point of outgoings or close to it right now. Once the subdivision is achieved through the value will go up substantially.

[pancakes]

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.

[pancakes]

Our household net worth:

Dec 2014 $150k
Dec 2015 $195k
Dec 2016 $256k
Dec 2017 $283k
Dec 2018 $320k

+ $37k

Not too shabby given our goal for me being on maternity leave (which turned into unemployment) was not to eat into our savings. We are also still holding butt loads of cash because we still haven’t used it to purchased a house to live in.

[Etlav5]

NW 2015: - 46 k
NW 2016: - 18 k
NW 2017: 3 k (!)
NW 2018: 23 k

Saving rate around 40%

[anotherAlias]

Despite the market working against me and some $$ medical expenses this year, I still had a positive trend.

This is liquid net worth:
2011-   $71,905.11   
2012- $139,042.72   
2013- $217,250.05   
2014- $284,626.51   
2015- $332,514.20   
2016- $431,718.92   
2017- $586,059.24   
2018- $591,792.31

[Goldy]

Dec 2013 - $699,658
Dec 2014 - $859,626
Dec 2015 - $958,149
Dec 2016 - $1,229,319 
Dec 2017 - $1,617,661

Dec 2018 - $1,642,265  Increase of $24k

Losing over 200k from October to Jan 1 sucked but nothing wrong with a positive year.

[DavidAnnArbor]

                12/31/2017    12/31/2018    %Change
Invested      1,514,360    1,486,906         - 1.8%
Cash                 63,899        48,363
Subtotal       1,578,259    1,535,169         - 2.7%

Home Equity    386,639       408,217

Grand Total   1,964,898    1,943,386         - 1.1%


This was my last big year of adding to my investments, I'm now officially semi-retired.

[Half Stached]

We scraped out a small gain on the year; our investments were down 5.6% and our estimated home value dropped by more than that.

2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

If I exclude our home, the worth of our investments increased by 96K (from 733K to 829K) by investing 140K.

Even though I had hoped this year would be more lucrative, retirement is in 3 months regardless - my last day is March 5!

[YellowCat]

Turns out we had a pretty good year despite the massive money-letting that was the renovations to our new-to-us old house. This is our first home so we went from NW compromised of purely investments and cash to that plus home equity.

Our NW as of December 31, 2015 was $333,176.15 and current NW including home equity is $427,947.20 (+$94,771.05). This is impressive considering we spent just shy of $45k in closing costs and home improvements this year.

2016 NW breakdown
Cash and investments: $370,799.22
Home equity (purchase price - mortgage balance): $46,619.89
Cars (2): $10,528.09
Total: $427,947.20

Good news for 2017
- Annual husehold income has increased from $170,600 to $183,570 (+$12,970) due to my husband's recent promotion plus year-end increases for both of us. This doesn't include any bonus income we may see this year. Woo hoo!
- As of May 2016 my husband and I work in the same location and carpool to work most days. I'm looking forward to greatly reduced car usage and gas consumption now that we only have one home.
- All of the major renovation work in the house is finished, so we can get back to dumping serious cash into investments! We just have some small stuff left now...lawnmower, some paint, garden supplies, etc.
- We have no big spendy plans for 2017. We're talking about keeping our travel local and hosting my in-laws instead of traveling internationally to see them.

2017 NW Goal
Hit $500k NW (cash, investments, home equity) by my husband's 30th birthday in August, with a stretch goal of $550k by this time next year. --> We exceeded this goal massively, thanks to a crazy year in the market!

Well, final numbers are in and it's been a hell of a year! Current NW including home equity is $628,029.19, which represents an increase of +$200,082 (!!) over our Dec 2016 NW of $427,947.20. This is higher than our combined salaries for the year!

Good news for 2018
- Annual household income has increased from $183,570 to approx. $190,640 (+$7,070) due to year-end increases for both of us. This doesn't include any bonus income we may see this year.
- Much of our 2018 travel was paid for already in 2017 (big trip to visit in-laws planned for Feb 2018, personal trip to Iceland for May 2018). Hopefully we can curb our travel spending a bit this year, as it's consistently about 15-20% of what we spend annually. This is ok, as it aligns with our priorities, but it's still a huge pile of money.

2018 Goals
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....
- Reduce household spending below what we spent in 2017 ($50,347.57) & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year. My husband's car loan is finished in June, so this should free up some cash, and there's always room for additional optimization in other areas as well.
- Personal sub-goal, inspired by Mrs. Frugalwoods: No clothing shopping for me in 2018. I don't have a clothing "problem" per-se, just want to re-program myself and really think hard about all of my purchases and make sure they align with my priorities.

2018 Numbers are in and current NW including home equity is $718,610, which represents an increase of +$90,581 over our Dec 2017 NW of $628,029. I'm fairly certain it's less than we invested in the market this year but I'll take it.

Good news for 2019
- Annual household income has increased from $190,640 to ~$203k (ish) due to year-end increases for both of us. Most of this was a big pay raise for me (9.5%!!) to bring me up to the level of the rest of my team. This doesn't include any bonus income we may see this year.
- Husband's car is now paid off, so now the mortgage is our only debt.
- We spent just about $52.5k in 2018, but $7.5k of that was to install AC and $2.4k was for dental surgery (which failed, but I digress...). So the good news here is that our "normal" spending was only ~$42.6k. That's a new low for us!
- No big house projects or international travel is currently planned for this year. We may still end up traveling but fingers crossed we won't be dropping thousands on home improvements...

2019 Goals
- Control household spending & continue to plow the rest into investments. Spending goal: sub $4k / month or $48k / year.
- (Somewhat arbitrary) NW goal: $850k by the end of 2019. Cheers!

[Optimiser]

12/31/2011: $18,719
12/31/2012: $23,793   Income: 20k/yr.
12/31/2013: -$57,156   Started grad school financed by loans and got married and to a wife with a lot of student loans
12/31/2014: -$71,684   Still in grad school - more loans. Found MMM.
12/31/2015: -$68,111   Graduated and started working in June.
12/31/2016: -$61,128

12/31/2017: -$30,801   2018 could be the year we get back to black

12/31/2018: -$202 So close!

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k

Not too shabby considering our investments are down and Husband was out of work for 6 weeks this year.

[Zaga]

Net worth increased by less than $3K this year.  Combination of saving less due to job changes and the market going down.  I can live with it, we have ramped up the savings again for 2019!

[DreamFIRE]

I don't ever calculate net worth, just my stash which I will be using to drawdown on using the 4% rule, which doesn't include my home's value.  And on that note, despite the pullback in the market, my stash is a little over 100% of what it needs to be to meet my FIRE target, which is a fairly FAT fire for me, which is more than 2 1/2 times my barebones budget.

Edit:  Looks like my net stash growth for 2018 is only about 1 1/2 years of barebones spending - not too good considering I saved $70K from my job alone.

[FIPurpose]

I also had almost no change. +1k overall for the year. However we didn't work for about 5 of those months. So not too bad, probably could have eeked out a 10-20k gain if we were working then, but the market was over valued anyway. 2019 I think will be a good year.

[Sailor Sam]

I want to play!

31 Dec 2010: $85,203
31 Dec 2011: $106,303   (Δ $21,100)
31 Dec 2012: $144,111   (Δ $37,808)
31 Dec 2013: $212,510   (Δ $68,399)
31 Dec 2014: $264,836   (Δ $52,326)
31 Dec 2015: $299,579   (Δ $34,743)
31 Dec 2016: $371,611   (Δ $72,032)
31 Dec 2017: $496,452   (Δ $124,841)

31 Dec 2018: $528,285   (Δ $31,833)

I saved ~$60k, and the rest is market losses.

[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.

(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
1/1/18: $239,972

The jump from when I last did this thread was +$60,911, but from EOY2017 to EOY2018 was $54,064 according to my other tracking. Really not bad considering I had a good $37k of OOP medical expenses this year. We also prepped to sell, then sold, our house.

That being said, our year on year increases in NW are dropping even as our household income rises, so we really need to step up our frugal game again!

[zygote]

This was the first year I started tracking. My net worth is my emergency fund, the cash I keep on hand for basic expenses, and my retirement accounts. I rent, so no mortgage or home value to consider.

12/17: $44k
12/18: $70k

That's an increase of $26k despite a negative rate of return in my investments. I'm pretty pleased with that.

[2Birds1Stone]

358k -> 422k

[MrDelane]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

[McStache]

2013 - $10,000? (records aren't great back then)
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830

2018 - $317,638

Up about 30K from last year, which is well less than I saved, but still positive, so I'll take it.  Plus, I own a lot more shares of index funds than this time last year.

[Imustacheyouaquestion]

Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349.74    (+ $99,648)
Dec 2018: $255, 892.49    (+ $49,542.26)

NW was up to $276k in November before the market correction. Got some good tax loss harvesting out of it, but I didn't meet my goal of $300k by the end of the year. Goal for EOY 2019 is $325k.     

[SwordGuy]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making. 

[I'm a red panda]

We are not up much over the year...
Lost like $150k the last two months :(. So that kind of hurt the yearly goal.

[aspiringnomad]

2014: $425k
2015: $627k
2016: $830k
2017: $1,167k
2018: $1,325k

This year's numbers are skewed up by a one-time compensation vesting in January and down by the market's lackluster performance the rest of the year. I first reached that final number in mid-June, so made no progress on paper since that time despite throwing all savings into investments. Still not a bad year, considering.

[WhiteTrashCash]

Totals do not include house equity.

January 2017: $122,747.70
January 2018: $166,175.31

Net worth increase: $43,427.61

It had been much higher, but we took a massive beating from Trump's trade wars. Hope 2019 is more profitable for us.

[MrDelane]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.

[WhiteTrashCash]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

You're right - and thanks for the reminder.
I probably should have added a smiley, I was halfway joking.

Yeah, folks who started investing this year were in for a world of hurt, but in the long run it always trends upward. Lots and lots of millionaires owe their fortune to the 2008 Great Recession.

[Bird In Hand]

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.

It seems I miscalculated above.  We finished down a little more than $44k in 2018 (not including home equity).  Down ~$134k since late September.

[peeps_be_peeping]

My NW increased $43,310 to $411,333 in 2018, or 11.77%. I put $61,621 into investments and $5,603 into my mortgage principal.

[Wintergreen78]

1/1/2017 : $649k
1/1/2018 : $857k
1/1/2019 : $787k

Quit work at the end of January. My expenses for the first year of retirement have been right around what I expected. Even with the market decline, everything is good.

[brooklynmoney]

Haven’t the stomach to look yet. My guess is I saved about 150k and lost about equal or more ha. Cest la vie!

[Chaplin]

It's January 1 so I did the calculations today of course. There are still some estimates since not everything is easily available electronically so I have to wait for some paper statements (fixing this is a goal for 2015).

Net worth increased about $151K, a mind-blowing number to me. This includes home equity which is a bit less than half of our total NW.

Another goal for 2015 is to do a better job of tracking how much gain or loss is due to the markets and how much is due to contributions. Right now I estimate that the $151K increase is about $101K contributions and $50K market related.

Fun to see that I had posted in this thread almost two years ago.  I reported that in 2014 our NW had gone up $151K ($CAD, but still nice). I revised 2014 due to a better real estate valuation, so it looks like this:
2014: $174K increase in NW
2015: $213K increase
2016: estimating a $239K increase

I apologize for linking to this again, but it seems relevant for this thread. I had posted back in 2014 that I wanted to better understand where our changes in NW had actually come from, so I finally worked it out:

<nice chart showing what contributed to our net worth gains each year - real estate appreciation was a big factor>

Not expecting those real estate gains to continue...

It seems like I revisit this thread every two years. I have added 2017 and 2018 as well as gone back in time to add some historical numbers.

2006: $40K increase
2007: $112K increase
2008: $38K decrease
2009: $88K increase
2010: $70K increase
2011: $57K increase
2012: $118K increase
2013: $175K increase
2014: $174K increase
2015: $213K increase
2016: $244K increase
2017: $290K increase ($125K was increase in home value, even though I said I didn't expect RE gains to continue)
2018: $52K increase (house added another $100K in value, market dipped, and we didn't have as much new cash to invest)
2019(est): aiming for $170K increase

Despite the lower increase in 2018 it was a good year for us. We sold the house that had gained so much and bought a place cost $300K less. Most of that difference was invested a few months before the market dipped - unfortunate, but not something to lose sleep over. Real estate used to account for about 52% of our net worth but moving and investing the difference puts it at 42% which is still high but much better.

[BobTheBuilder]

4.2k Euro increase to almost 0 net worth, which is just shy of my goal for 2018. But hey, stock market.

2019 will bring more income, and reduced interest as the remaining credit is paid down.
Aim for 2019: +14k if my investments don't gain anything.

[Rubyvroom]

* Dec 2014 - 12% of target stash
* Dec 2015 - 15% of target stash
* Dec 2016 - 25% of target stash

We found MMM in summer 2016, so the "stash" concept did not exist for us in 2014 or 2015, hence the lackluster improvement from 2014 to 2015. With just a half year of deliberate savings in 2016, we are now 1/4 of the way to our goal. I'm hoping 2017 will be a big year for us, with a full year of MMM mindset under our belts.

And a big year it was. We managed to pull off a 63% savings rate this year. Huzzah.

* Dec 2017 - 42% of target stash

2018 is a difficult year to calculate because our present to ourselves came in the form of a land purchase, which takes a pot of money out of our stash but not out of our net worth. With the exception of the land purchase, we saved 61% this year, so we're happy with that. As we get closer to FIRE, I may revisit our "target stash" number, but I'm not ready to move the goal posts yet. 

* Dec 2018 - 37% of target stash

[RWD]

Looks like an increase of about [redacted] last year for us. Moving in the right direction, but 2017 was 2.5x better.

[Dr Kidstache]

1/5/18: $397,293.73
1/5/19: $447,872.21
NW increase of $50,578.48 (12.7%). Invested about twice that amount during the year. Meh.

[seattlecyclone]

Down about 3% despite investing half our pay. So it goes with the market sometimes.

[Zikoris]

We increased by $38,447, which was about a 12% increase. Our income was about 77K for the year and my partner quit his job halfway in to switch to full time freelancing, so that worked out well.

[AFrugalGuy]

As a couple:

12/31/2017: $316,696.77
12/31/2018: $395,279.41

An increase of $78,542.64 (24.81%). The market downturn deflated this somewhat (we had hoped to be over $400k), but we're happy with the end results. Targeting $500k by 12/31/2019.

[phildonnia]

Grand total difference from Jan 1, 2018 to Jan 1, 2019 = -24,190.

I guess I'm doing this wrong.

@MrDelane ,

Not necessarily!   At a certain point ups or downs in the market will dwarf any contributions you are making.

Indeed.  With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year. 

[sol]

With a 6-figure income and a 50% savings rate, I somehow managed to come out -- ready? -- $8800 ahead for 2018.  No, we're not doing it wrong.  Sometimes you have a sucky year.

Don't think of it as a single sucky year in which you lost 6.51%.  Instead, think of it as a three year period in which you averaged a positive 7.52% per year.  See, you're doing great!

* all figures are inflation adjusted, including dividends, based on the web interface at http://www.moneychimp.com/features/market_cagr.htm

edit:  It's not quite as good as the preceding 3 year period, which averaged over 14%, or the three year period before that, which averaged 8.73%, but it's better than the three year period which included the great recession, which averaged -4.06%.   But when you put it all together, the total returns since 2007 that include the great recession and the current dip still combine for a CAGR of +5.14% over the past 12 years, despite the economic collapse of the United States in 2008/09 and the recent 20% dip.  That's pretty good!  In fact, it's more than enough to fully fund a 4% SWR with money left over...

[Steveray7071]

Net worth increase of 79K for 2018! 3rd best year.

[dragoncar]

I made a bazillion dollars selling Acai berries

[Cool Friend]

Just want to say 2018 was the first year since graduating college (over 10 years ago) that my net worth has been in the black.  :)

[mbk]

This year my NW had a gain of around 24k but my liquid assets went down by 24k. This is due to cashing out 457b at the height of market to buy a second house. I partly replenished the retirement accounts over the subsequent months and paid off some debts. The good thing is I took in room mates in the second house and my housing costs went down significantly.

[Serendip]

My first year saving with intention vs. frittering money away or paying off debt.
Wish I'd started this sooner!

Dec 18/17    $18,146
Dec 30/18   $46,250

Increase of $28,104