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

[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

[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.)

So I got my actual end of year numbers, and I managed to figure out how to look into my non-mustachian past and here is what I found:

January 2015          80500                          (Late 2015 I bought my condo with 30k down, no condo worth is included so that disappeared)
January 2016          112500          +32000
January 2017          142500          +30000   (I found MMM in January 2017 while on another deployment)
January 2018          232000          +89500   (End of first year with MMM, was promoted on January 1st 2017 to a higher paygrade which helped)

My actual gain for the year was MUCH higher than I thought.  I can't wait to see what happens this next year!

January 2019          356500        +124500

According to my spreadsheet I saved 144k with my condo sale (60k) included, but as you can see the market ate into the savings rather than boosting them this year.  Still, a very good improvement on my previous year's savings that was boosted by the market.

[dragoncar]

Ok, it's time to change the title. 

[jengod]

I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!

[jengod]

I thought for sure we’d be down this year because our spending feels insane and the market is down-trending but:

2016: $2.40 m
2017: $2.75 m
2018: $2.86 m

We remain debt-free and the house is still standing. We might need a new roof and a new (used) car in 2019. Whoo!

[ASquared]

2018 - 838K
2017 - 763K
2016 - 642K
2015 - 553K
2014 - 502K
2013 - 405K

[I'm a red panda]

Ok, it's time to change the title.

Or start a new thread?

[dragoncar]

Ok, it's time to change the title.

Or start a new thread?

Why do people hate long threads?  They started a new Overheard at Work.  Does the page number list take up too much of your data quota or what?

[marty998]

Please start a new thread. I won't be offended...

[dragoncar]

Please start a new thread. I won't be offended...

Are you filibustering your own thread?

[marty998]

Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

[Cherry Lane]

Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

[SnackDog]

Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.

[RWD]

Someone should just make a public Google sheet and let people input their figures along with comments, then graph it all up.

I graphed the 250k-500k participants when I graduated that thread back in late 2017.
https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-250-to-500k!/msg1728701/#msg1728701

[partgypsy]

Have not calculated net worth numbers since 2015! This can be an example about divorce.

In 2018 when divorce became official, ex was paid 104.5 out of retirement. Over the year retirement fund went from 223K to 121K at end of year (-102K).
I will also be splitting pension with ex once get into retirement. It will not be a 50% reduction because I will have worked more years outside the marriage by then. 
house value according to Zillow increased to 294 to 344K (+50K).
Mortgage went from 56.2 to 47.5K (+8.5K)
Car loan went from 7.5K to around 4K or so (+3K) 
(small) efund went from basically 0 to around 1.5K
so 2017=453
2018 = 413
retirement fund is 54% of 2017. overall net worth 91% of 2017.

Small potatoes compared to some and now over-weighed in house. At the same time I am very glad for small improvements in picture, and that I was able to keep house.  My monthly average spending has been the lowest since around 2012, 2010 but don't feel deprived at all. I was also fortunate in that while I divorced this year, our date of separation was April 2016. He and the court agreed that the value of joint property at that date should be used for division of assets.

[DS]

Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.

[dragoncar]

Please start a new thread. I won't be offended...

Are you filibustering your own thread?

Maybe just bumping it?

Regardless like I said in previous years a few pages back, I don't want to have to edit the thread title forever!

Call it something like "Year-over-year net worth increase" then you don't have to change it each year.

My suggestion many pages back was "Net worth increase this year (i.e. the 'present' you give yourself)" but no reply or change. Such an easy solution.

Just PM me your password and I'll change it each year.

Or call it "dragoncar go f yourself (i.e. the 'present' you give yourself)"

[SnackDog]

Looks like around 2% increase for 2018 with variances all over the place: spending way up, investments down, forex down, equity up, savings slightly down, pension lump sum down (due to interest rate increases), company stock down.  If this keeps up for the next 5-10 years it's gonna be rough!

[rlnine]

February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.

[FoundPeace]

2016- $42
2017- $82k
2018- $186k
Pretty good haul this year.
I estimate 2019 at $250k.


Sent from my iPhone using Tapatalk

[philli14]

Jan 1 2018: $21,789
Jan 1 2019:  $67,786

Great gift! Excited to see 2020.

[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.

December 31, 2018: 769K (+104K).  Pretty brutal since I invested more than that and paid down about 8K of principal on my place.  Oh well.

[SwordGuy]

February 2018 (when I started keeping track): -$88,863.22 ($98,064.52 in debts, $9201.3 in assets).

January 1st, 2019: -$78,157.63 ($91,645.14 in debts, $13,487.51 in assets).

Increase of $10,705.59, or 12%.

I can (and will) do so much better in 2019. Still, I celebrate this as my first baby steps in figuring out what the heck I'm doing. At least I threw every bonus, extra paycheck, birthday money, etc at my student loans. Now I'm lowering my spending as well, which will accelerate everything.

Bravo!   That's a major life change.   Once you start seriously cutting down that principal the negative interest starts to lose its choke hold on you.   Your progress will accelerate!

[meatgrinder]

2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!

[marty998]

2017: $2.1M
2018: 2.3M (peak was $2.6M in Sep)

~$250K increase.  Like most, I got smashed at the end of the year to the tune of -$300K even with a sizeable chunk in bonds and private equities. Time to buy more!

You might be back up by $150k already judging by the market performance of the last couple of weeks.

Volatility is back in vogue it seems.

[minority_finance_mo]

Dec 2014: $554
Dec 2015: $32.2K
Dec 2016: $100.7K
Dec 2017: $149.6K

Somehow I managed to make more and save less in 2017. Hoping to reverse that savings trend in 2018.

December 2018: $208K.

Did manage to increase net worth more in 2018 than 2017 - about ~58K. Goal next year is to get back in the 70-80K range. Will check back in a year.

[sisto]

I don't think I updated here yet. 2018 was a rough year due to being on partial disability for all of it except for 6 weeks, but here are the numbers every December from when I started tracking it in MINT:

December 2015     $641,910.49
December 2016     $754,226.93
December 2017     $982,960.75
December 2018     $1,051,311.55

My highest point was September 2018.

[midwesterner1982]

Dec. '13:  $96,000
Dec. '14:  $110,000
Dec. '15:  $160,000
Dec. '16:  $262,000
Dec. '17:  $376,000
Dec. '18:  $490,000

Big goal for 2018 was $500k which we actually hit on August 31st which is great! Dropped back below at the end but we've since crossed over $500k again.  Most of the assets are in shares + (5) rental properties.  Lot of changes in 2019 as we'll be relocating back to U.S. after being expats past few years.  Excited for 2019 and wish everyone a profitable year!

[iris lily]

We are down $130,000 but that is perfectly fine with me. We are old, retired, and spending the stash.

Our rate of burn-thru-stash will slow this year as we turn on one source of income.

[SpareChange]

EOY    Networth (US$)   
2011    -50k           
2012    -41k           
2013    -10k           
2014     33,726       
2015     90,497       
2016     146,590     
2017     224,985
2018     282,015

[tarheeldan]

EOY     Net Worth     Increase
2010    -$18,959.83   
2011    -$6,189.32   $12,770.51
2012    $1,104.06    $7,293.38
2013    $19,927.35   $18,823.29
2014    $45,996.21   $26,068.86
2015    $89,065.76   $43,069.55
2016    $135,349.15   $46,283.39
2017    $214,652.87   $79,303.72
2018    $265,279.90   $50,627.03

[MM_MG]

   Retirement           Date          Difference
     $51,225       12/31/05   
     $80,038       12/31/06   $28,813
   $106,744       12/31/07   $26,706
   $103,124       12/31/08   -$3,620
   $162,173       12/31/09   $59,049
   $218,666       12/31/10   $56,494
   $249,987       12/31/11   $31,321
   $320,337       12/31/12   $70,349
   $435,650       12/31/13   $115,313
   $518,275       12/31/14   $82,626
   $603,958       12/31/15   $85,683
   $746,482       12/31/16   $142,524
   $979,476           12/31/17   $232,994
$1,148,530           12/04/18       $169,054
$1,395,539           12/06/19       $247,009


This year has been a grind...but the best year yet for savings and growth. 

[itchyfeet]

Barring a meltdown in the next couple of weeks, 2019 has been by far the best financial year of my life.

12 month returns of the Australian stock market index fund is 25.9%. Incredible!!!!

Add to that one of my best saving years, and the change in my net worth is embarrassingly impressive,

[use2betrix]

So far we have gone from $294k to $535k in 2019. This only includes savings and investments (no property or anything). The market helped, but I also just worked my ass off and saved a ton.

[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!

Not sure why I've been tracking as of December 1st in this thread, but let's keep it up...

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)

December 1, 2019 - NW $495k (increase - $104k)

Not too shabby. Still only working PT at my "day job" and making up the rest through freelance writing.

[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 stock 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.

12/19 $1.79 still smoke breaking. Bought a new house, paid cash for college again, took lots more YOLO trips, and was surprised things actually went up with the net worth. Thank you markets. I am a bit listless with the SAHM routine. I may go back to work in March or April. Or not...

[jojoguy]

12-25-18 = $68,000 roughly(I wasn`t tracking our 401ks exactly at this time)
12-17-19 = $163,011.39 (Great year! We maxed out our 401ks, maxed our IRAs, invested $16,000 into our taxable accounts, earned over $2,400 on mainly our travel credit card bonuses, and have an emergency fund in a high-yield savings account)

Goals for 2020 is :
Maxing our 401ks. 6% employer match.
Maxing our IRAs
Maxing out our HSA account. My employer adds 10% into our HSA when we match!
Keep earning rewards on CCs and/or checking accounts.
Keep educating ourselves on finding ways to passively make income to save.

[Travis]

*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.

@marty998 about time to change the date again? 

[SwordGuy]

Up $171K for the year, but we've been lazy.    Only finished renovating one house this year and have been sluggish on the other.

We'll get a bump next year when we finish renovating one house and sell it, but we'll get a smaller drop when we finish renovating another house and give it away to charity.

I'm happy with where we are.   FIRED and wealthy. :)

[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)

12/6/16: about $1,125,000 (excluding house)
FIREd 7/2/2015

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

12/19/19: about 1,600,000* - UP about $340K* (amplified by the dip at the end of 2018)
UP about $510K* since retiring.
12/31/19: about $1,620,000 - crazy.

* updated due to market move. And I discovered an error in my spreadsheet such that one account wasn’t included in my total.

[max9505672]

December 2017 : 113,230$     -
December 2018 : 144,241$     +31,011$
December 2019 : 237,374$     +93,133$

[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.

As of 28 DEC: $1,208,000. $90,500 in contributions.

[marty998]

Hola mujeres y hombres, Marty998 is taking an unbelievably unmustachian holiday around the Galapogas and Peru. It may have put a small ding in my NW, but this is what a NW is for after all.

Topic thread title updated.