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

[philli14]

Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304

Great gift! Excited to see 2021.

[obstinate]

Jan 1 2017: 55% FIRE
Jan 1 2018: 67%
Jan 1 2019: 67%
Jan 1 2020: 87%

Since we did this poll last, our spending rose sharply because we hired a nanny for our boys. This accounts for about 20% of our overall spending. I've adjusted our numbers from before based on my estimate of our spending this year.

It's also a bit hard to tell from Personal Capital what of our spending is recurring vs. not. Some home improvement expenses we incurred this year are one-time things. But, the home may continue to be improved going forward. But also these aren't pure expenses (presumably they feed into the value of the house). It's confusing.

In any case, this is assuming our expenses, as estimated, never go down. They surely would if we FIREd, so this represents a very pessimistic view of our progress toward FI. I guess since we would lose the nanny if we retired (and not spend any more to offset that), and since that is 20% of our spending, and since we're >80% FIRE with our current spending, we are FIRE-nanny. Interesting!

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k

VERY costly home renovation this year.

[Metalcat]

~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.

[ysette9]

~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.

Congrats. That is a big deal.

[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)

31 Dec 2019: $706,933  (Δ $178,648)

I saved $66k, and the rest is market gains. It would have been a little higher, except for the car note acquired in Nov.  Slow accumulation, fast spend!

[Metalcat]

~100K this year, almost all of it paying off student debt, which is now finally gone.
It's been a long and tedious haul.

Congrats. That is a big deal.

Thanks, yeah, it's very nice to be on the other side of that debt mountain.

[Bloop Bloop]

2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

[ender]

2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

do I even want to know what your 1M is in that you didn't make any meaningful amount in 2019?

[kenmoremmm]

2014: $661k
2015: $773k
2016: $875k
2017: $1098k
2018: $1232k
2019: $1432k

curious for those here calculating their savings rate using MMM methodology: do you deduct medical expenses from your net income (i.e. gross - taxes - medical)?

[Bloop Bloop]

2015 $400k
2016 $480k
2017 $880k
2018 $950k
2019 $1.0m
2020 $1.15m

Haven't had a good year on the markets since 2016-17 when I made a killing. Everything since then has essentially been wage earnings. No "power of compounding" for me.

do I even want to know what your 1M is in that you didn't make any meaningful amount in 2019?

I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).

[Jaayse]

Investments only, solo journey (so far)

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)
January 2019          356500        +124500   (Sale of condo +60k, total of 144k invested)
January 2020          500000        +143500   (Change of location significantly decreased income by almost 28k)

Extremely good year considering my own contributions after taxes and expenses accounted for only 60k of that increase.

[Herbert Derp]

I've made pretty impressive progress, putting it in perspective like this! On average, my net worth increased by about $370K / year over the last two years. It's interesting how much things have changed since the beginning of my journey, when it took me about a year to save my first $100K. In just one year, my net worth increased by more than it did in the first four years of my career. At that time, I could not have predicted this much progress!

January 2016: $408,896.04
January 2017: $617,283.09    (+$208,387.05)
January 2018: $968,307.87    (+$351,024.78)
January 2019: $1,200,467.72 (+$232,159.85)
January 2020: $1,705,284.27 (+$504,816.55)

[chasesfish]

Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

[Dicey]

I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).

Down 5%, then up 5% over  a couple of years doesn't sound at all like a "complete loser". RE is, was, and always will be cyclical. Give it time.

[anotherAlias]

With 2019 officially in the books, here's my updated numbers (with history back as far as when I started tracking net worth).  It was a very good year financially.  Hopefully 2020 can be as generous.

2011:   $85,616.93
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
2019: $812,897.82

[DavidAnnArbor]

Liquid portion

12/31/2012 -    761,025
12/31/2013 -    921,833
12/31/2014 -  1,041,652
12/31/2015 -  1,057,308
12/31/2016 -  1,280,747
12/31/2017 -  1,578,259
12/31/2018 -  1,535,270
12/31/2019 -  1,944,727

Real Estate 12/31/19
 $426,159

Total Net Worth:  1,944,727 + 426,159 = 2,370,886

[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!

12/31/2019: $37,161 Feeling a slight tailwind kick in

[trashtalk]

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!

12/31/2019: $37,161 Feeling a slight tailwind kick in

Look who's gonna be a millionaire by 2030! Nice going.

[fattest_foot]

Fun thread. It's interesting to compare yourself to others with common goals. This is just investment assets and not cash or mortgage factoring into net worth.

2014: $97k
2015: $129k
2016: $205k
2017: $318k

Looks like I forgot to do this last year. 2018 wasn't great due to the December drop, but 2019 was a monster year with this last quarter.

2018: $366k
2019: $557k

[Apples]

December 2013:  $43,800
December 2014:  $70,200
December 2015:  $107,700
December 2016:  $153,950 
December 2017:  $219,525 
December 2018:  $272,446

December 2019:  $370,526.76.  I got a huge raise, to help facilitate us buying my grandparent's farm.  So that's all going in savings and really jumped up our net worth this year.  2020 will put huge brakes on that, as we'll buy the farm and suddenly start paying $20,000/year in interest.  We will be lucky to hit $425,000 by the end of 2020.  If the stock market takes a hit, we could be lucky to get to $400,000.

[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
2019 - $441,666

Up $124K in 2019, which is more than I earned and a lot more than I contributed, which is pretty crazy.  I'm hoping to hit $500K this year, but we'll see where the markets go.

[Dave1442397]

I only started tracking when I found MMM at the end of 2016.

12/31/16  $452,261.58
12/31/17  $574,567.16
12/31/18  $600,219.93
12/31/19  $758,682.52

Up $158,462.59 for 2019. I won't expect that every year, but wouldn't it be nice?

We saved just over $55k, shooting for $60k in 2020.

[Cherry Lane]

2013    48% FI    (11.9x) - got on the MMM train in October
2014    59% FI    (14.7x)
2015    64% FI    (16.0x)
2016    79% FI    (19.9x)
2017  101% FI    (25.3x)
2018    99% FI    (24.6x) - FIREd in March
2019  124% FI    (30.9x) - woohoo!!!

[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.

Up 19% Y on Y for 2019 net of expenses.  This was a very good year for investors.  How long can this bull market run?

Total expenses tracked at only about 75% of plan but this included paying for a new roof which insurance paid for.  If I back that expense out we are closer to only spending 60% of plan.  Skinny FIRE on moderately Fat FIRE assets.  This fits my conservative attitude where is comes to our money.

[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.

December '19 - $799,312 ($147,534, 23%)

We're up more than that for the year, because I reported last December before the year end dip.  It's amazing to look back and see all the progress we've made.

[SanDiegoFIhopeful]

Jan 1, 2019: $419k ($284k in investments, $135k in home equity)
Jan 1, 2020: $654k ($434k in investments, $220k in home equity)

Change of $235k or 56%. This was by far our best year from an income and savings standpoint. This also encouraged me to move from being a lurker on here to actually participating :)

In our investments, we saved $78k, or 35% of our net income (take home pay, then adding back 401k contributions). We maxed out two 401k accounts, one HSA, and an ESPP. We also had an overly concentrated stock portfolio due to DW's company stock RSUs that vested during the year, and ESPP stock that we were holding until we could sell for long term cap gains tax. While I thought the company was undervalued at the beginning of the year, I didn't expect a ~60% increase in 2019, which was by far the biggest driver of our investment account increase. Finally, we refinanced our mortgage after some renovations (paid for by selling some of the company stock), so we saw a large jump in value that will not be repeated (I will just keep my appraisal value as the home value until a sale/refinancing event in the future).

I am beyond pumped, but trying to stay realistic. We are extremely unlikely to get even half as lucky in 2020, but are aiming to make up for some of that by increasing to a 45% savings rate.

[JSMustachian]

2015- $45,647
2016- $89,037 (+$43,390)
2017- $248,262 (+$159,225) >>Found out the cash value of pensions this year and learned about MMM mid year
2018- $340,317(+92,055)
2019- $529,759 (+$189,442)

2019 could not have gone better for us. It's exciting reading about everyone's huge progress. Thank you MMM!

[MishMash]

well 2019 saw an increase of 420k for us.  All gains as I haven't worked in 2 years and we've been spending all our disposable income on fun stuff to keep DH sane.  DH is still working, 2 more years until he gets his military pension and health insurance. 

It's getting harder to tell the husband he can't buy a boat when you see gains like that in a year.  It also marked the year we crossed the 2 million marker, followed by 2 million in invested assets only a short couple of months later.   Today alone saw a 20k increase in net worth and I'm sitting here like how the hell is this even possible, some households don't even make that in a year? And, man when this turns south it's going to hurt.

[dandarc]

May hurt, but "losing" say 50% in a year should be much easier to handle when you've got $2m invested vs. say $200K or $20K. Dollars will be bigger, but so will the dollars you have left. So long as you don't sell it all at the bottom, you haven't really lost anything, and the ~$1m of assets should help you keep perspective on that.

[MishMash]

May hurt, but "losing" say 50% in a year should be much easier to handle when you've got $2m invested vs. say $200K or $20K. Dollars will be bigger, but so will the dollars you have left. So long as you don't sell it all at the bottom, you haven't really lost anything, and the ~$1m of assets should help you keep perspective on that.

Yea I keep telling myself that, that and we won't be selling assets when he retires, dividends and his pension should be enough to live comfortably on. 

For me I grew up poor so I definitely have aversions to spending money. It's just insane to me that inside of 4 years we accumulated our 2nd million before age 40.  Makes me feel a bit guilty to be honest.  But it's also enabled us to help some of our friends that aren't as fortunate.  We barely blinked when giving a friend 3200 this month to escape his slumlord and move into a new place when the roof of his apartment caved in from water damage and she refused to fix it.

[Bloop Bloop]

I'm in Australia, and our shares went up 25% in the past year but I rebalanced and went into mostly property a couple of years ago and property has been a complete loser over that time (-5% last year, +5% this year). Part of the property rebalancing was that I needed a tax shelter and a way to save up for my family home, and property serves both functions well, but even in that sense it hasn't been a complete success because the government has restricted some of the deductions that we can employ on investment properties, so it's just been a disaster all-round. At this stage I'm torn between wanting property to do well (so that my net worth increases) versus wanting it to tank (so that my family home will be cheaper).

Down 5%, then up 5% over  a couple of years doesn't sound at all like a "complete loser". RE is, was, and always will be cyclical. Give it time.

Yeah, it's just hard to stomach when you look at the opportunity cost. That said, you have to take the good with the bad and I've won $400k (100% of my NW at the time) in a year gambling on investing, also lost $30k in a previous year (while at uni) doing the same thing (50% of my NW at the time), so at least it's much better than if those positions were reversed. I've essentially lost $300k the past 18 months by not investing more heavily in shares but had I been in shares for the 10 years previous to that I would have made a net loss! As you say, just have to give each position time.

[YellowCat]

2015: $333,176
2016: $427,947 (+$94,771)
2017: $628,029 (+$200,082)
2018: $718,610 (+$90,581)
2019: $1,030,547 (+$311,937)

Well, 2019 was a hell of a year! The 2019 gains look exaggerated due to the slump in Dec 2018 but even without that it was still quite an amazing year for us. It's staggering to me that our 2019 NW increase is just about equal to our entire NW from 2015! That was only 4 years ago! I'm very curious to see what happens to the market in 2020.

I'm currently expecting our first child at the end of this month, so we'll likely have higher than previous spending this year including baby stuff, 8 months of daycare, etc. I estimate we'll spend around ~$60k total, or ~$5k / month. Also I'm planning on ~1 month of unpaid FMLA leave, but we are in a good groove with our automated savings / investments and have compounding on our side. It doesn't hurt that we once again got some healthy raises this year, increasing our household income for 2020 by about $8.2k over last year. That should help cover my slight income gap.

In an effort to at least start the year out right, I'm attempting an uber-frugal January. As uber-frugal as one can be while very pregnant and constantly hungry and tired and sore, and occasionally (ok, nearly always) in need of emergency recovery chocolate. At least naps are free :)

[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.

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: $273K increase (a lot better than the $170K I had forecast 12 months ago)
2020: Do I dare make a prediction? Not this time.

[dandarc]

NW since first posting in this thread:

Dec 2013 - $210K
Dec 2014 - $327K
Dec 2015 - $422K
Dec 2016 - $523K
Feb 2018 - $643K
Jan 2019 - $666K
Jan 2020 - $851K

Not quite as good as it looks for 2019. We cash-out refinanced our previously paid-off house late last year and I added in a $42K "gain" on the house since we got a proper appraisal for that. Still, pretty happy with a $185K or $143K excluding the unrealized gain on the house increase.

[OurTown]

NW increase by year:

2015 = $108,000 (+40%)
2016 = $87,000 (+23%)
2017 = $119,000 (+26%)
2018 = $50,000 (+9%)
2019 = $179,000 (+28%)

[DavidAnnArbor]

NW increase by year:

2015 = $108,000 (+40%)
2016 = $87,000 (+23%)
2017 = $119,000 (+26%)
2018 = $50,000 (+9%)
2019 = $179,000 (+28%)

Congratulations. By my calculation that means you have $818,300

[bbates728]

NW by year:

2018: -$24,108
2019: $48,912 (+$73,020)

Most of the increase went to paying off student loans but from now on I will be shoving that cash into the market.

[actionjackson]

Numbers in AUD

End 2015: $222k
End 2016: $299k

Trying to improve the savings rate in 2017 to get to $400k.

End 2017: $385k

Moved country, and set up a new house, which was spenny, and wife was out of work for a few months after the move. Next year should see us get to $500, provided market is flat or up.

Didn't update this thread last year. Clearly I made the $500k goal I was hoping for.

End 2018: $531k (+146)
End 2019: $700k (+169)

Looking back, it's crazy to think that I have been doing this for 5 years now. This year will be a bit tougher as we now have a +1 dependent, but hoping to hit the $1M by end of 2021.

[FIreDrill]

End 2018 = 397k

End 2019 = 560k

Increase = 162,911

It's been a good year for the NW :)

[RWD]

+$245k in 2019 for us. Our best year ever by far.

[Dr Kidstache]

+ $126,765.85 for 2016
+ $250,528.50 for 2017
+ $50,578.48   for 2018
+ $186,247.17 for 2019 

[DadJokes]

1/1/2019: 60,898
1/1/2020: 137,265 (+76,367)

125% increase in my first year since discovering MMM

[frogstomp81]

1/1/16: $462,464.13
1/1/17: $598,065.11 (+$135,600.98)
1/1/18: $719,775.17 (+$121,710.06)
1/1/19:  $708,180.68 (-11,594.49)
1/1/20: $935,648.51 (+227,467.83)

[Omy]

Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.

[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.

Unfortunately, didn't hit the 70-80K goal, but I did break the quarter-mill mark last year! Currently sitting at $264K in net-assets.

[dragoncar]

Here's the final results:
Here's the update for year end including the past nine years.

2011: 323
2012:  470
2013:  716
2014:  894
2015:  1,019
2016:  1,208
2017:  1,519
2018:  1,640
2019:  2,046

It was a great year.  The early retirement thing is going to cause these numbers to stop growing so quickly.

You never know...we're up over $200k since FIREing in August 2019. I was shocked looking at our year end numbers. I would have been thrilled to be even with our August 2019 numbers.

Sequence of returns looking good for me too, now look I jinxed it top is in

[Rubyvroom]

% of target stash:

* 2014 - 12%
* 2015 - 15%
* 2016 - 25% <-- found MMM
* 2017 - 42%
* 2018 - 37% <-- bought land
* 2019 - 67% <-- sold house

Onward!

[Bird In Hand]

Savings & Investments (including retirement contributions) increased by $284k in 2019, and another $33k went to mortgage principal.  We did have to replace a car, so we have some red ink there.  Not including RE appreciation our 2019 NW went up by about $300k, or ~ 22%.

If returns in 2020 are half as good as 2019, we'll be safely into FI territory this year -- with a paid off mortgage to boot.

[EliteZags]

Personal Capital shows my NW increased +~$70K in 2019
was unemployed most of the year and partying about 4 nights a week until August (Newport Beach), and came out with a Jaguar XF(2015) after my old SUV finally died
suppose I managed the year decently