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

[StachingforLife]

We learned about retiring early last October when our NW was at 12k. We then decided to go all in on our FIRE journey and today our NW is 123k. We're up 86k so far in 2020. We'd hoped to be up 100k by the end of the year and we would have easily done it if we hadn't needed to replace our roof. But our projected NW increase for 2020 should be around 95k which we're still super happy with!
I remember when we began a year ago and feeling so crap about our 12k NW. So many people that I read about were in the hundred k's. But now we're there too! And we'll keep on staching :)

[maisymouser]

Despite regular expenses like house payments, utilities, insurance, and groceries, I'm up 60k for 2020, which is almost my gross salary! Started at 132k and currently at 192k, so that's a 45% increase so far. And that is with making house payments, utilities/insurance, groceries, etc.

It doesn't *feel* like my NW has increased that much because
1) I have not submitted to lifestyle inflation,
2) I was close to 200k before a big DP for our house in '19, and
3) it's all tied up in retirement accounts that I don't plan on touching/converting for another 10+ years.

Still, knowing that I'm almost 20% FI is exciting! I hear it gets closer faster and faster. For my mental health's sake, I really hope that's true. It's taken a lot of my energy to get to this point.

[obstinate]

It's so funny how this thread starts back up earlier and earlier each year. I'll check back in a month. :)

[Freedom2016]

Our net worth is up 25% from 1/1/20. This seems nuts given that our household income is down 30% compared to last year due to COVID.

[Accrual]

Including retirement contributions, NW is up $77k for the year.

[Jack0Life]

Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

[Freedomin5]

Our net worth has increased by 26% in the past 12 months. It’s a bit heady.

[ender]

We're "only" up 17% for net worth.

But that includes buying a house and the way I calculate it is that I put the house at something like 92% of purchase price in our net worth calculations, to account for commissions.

Overall investment amounts are up 20% including growth and additional contributions which is what matters, I guess.

[SimpleCycle]

The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

[SimpleCycle]

Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.

[Sandi_k]

The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.

[SimpleCycle]

The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.

Why would you exclude contributions from your net worth calculation?  You’re talking about your personal rate of return.

[Abe]

Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.

I agree. If you feel like something is going to drop on you, then you need to have less volatility. Other than the spring blip, this isn't even that crazy volatility, historically. Look at https://www.macrotrends.net/2526/sp-500-historical-annual-returns  and https://www.macrotrends.net/2603/vix-volatility-index-historical-chart

[Jack0Life]

Our investment account which is mostly Index funds went from $303,564 to $396,197.
Out total NW went from $984,249 to $1,100,106.
The extra $30K+ not from investments came from 1 rental, loan and $12k of equities from paying down our primary home. I got furloughed and then lay-off from a $120k job since late March.
Our investments are 100% Indexes right now and like others, I feel a guillotine is about to drop.

I'm guessing you mean 100% stock indexes, as there are index funds for all sorts of non-equity investment vehicles.  I sometimes feel like I'm the only one on the forum beating this drum, but you need to settle on an asset allocation that lets you sleep at night.  100% stocks has historically been the highest return AA, but also the most volatile.  If you can answer in your heart of hearts "I will not panic if my investments drop by 50% and take 18 months to recover" then a 100% stock AA may be for you.  But your risk tolerance isn't truly stress tested until you've experienced the worst the stock market has to offer.

Yeah Index funds mostly VFIAX and VTSAX.
I've been shuffling the funds more often this year than past years.
Pretty happy with the returns so far this year so just the past couple of days, I've been moving to funds out.
Just moved $60k into bonds so its 85/15 right now. I will probably end up 60/40 by Dec 21st when Tesla is added to the SP500. Curious to see what will happened.

[Sandi_k]

The S&P is "only" up 13.4% YTD.  I'm guessing a lot of the increases people are posting are from contributions, which is pretty awesome.

Nope. We're up 10.13% for the year, with a 78/22% portfolio, EXCLUDING contributions.

Why would you exclude contributions from your net worth calculation?  You’re talking about your personal rate of return.

I don't exclude contributions from net worth calcs. I *do* exclude them when calculating investment growth. I am not a Beardstown Lady.

[obstinate]

Are up 20% from $absurd to $absurd + 20%. If you exclude the cost of our nanny, which I'd argue you should, we are well past our financial independence mark.

[DeniseNJ]

At the start of the year we had about 500K. I was so happy to make the half mil mark. Then covid and it dropped like a stone and I stopped checking it since the balance was in the low 400s and not sure how low it went. But we kept up our contributions and I scrapped together everything I could to invest even more. With our contributions to our tsp and 403b (no match on that--grr) we now have about 650K!!! We only put in about 40K over the last year but we're up more than 200K!

When the market drops dh doesn't want to invest and says we should be careful to have cash handy. I scape together everything I can and buy more. It always pays off.

And since going MMM a few years ago, we've doubled our NW, live well within our means, contribute the max to retirement funds and pay for two state tuitions.  I don't know what we would have done now with the kids in college if we hadn't found MMM! Thank you all so much!

[dignam]

Not including gf's $, my NW is up about 26% this year, or a gain of about $60k.  Currently 95/5: index funds/bond funds.  Started rebalancing this year and will make an adjustment toward bonds next year.

Also started playing around with brokerage since I've maxed non-taxable accounts.  Three weeks ago, started with $10k, up to about $10.5k in that account just doing very short term stock and options trades.  Learning tons along the way and having fun doing it.

[iamababypiggy]

1/1/2020 7.4mm
12/16/2020 9.2mm


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[couponvan]

1/1/2020 7.4mm
12/16/2020 9.2mm


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Troll.

[iamababypiggy]

1/1/2020 7.4mm
12/16/2020 9.2mm


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Troll.

[Chrissy]

Hey, Baby Pig!  I see you found that $1M I dropped awhile back.  Thanks for holding onto it.  I'll come over tonight to grab that from ya.

Seriously, though, I hope you're already retired.  That Tesla money?  Bitcoin?  Just wondering.

[Blissful Biker]

Our TNW is up 12.3% for the year.  Makes me happy!

[iamababypiggy]

Hey, Baby Pig!  I see you found that $1M I dropped awhile back.  Thanks for holding onto it.  I'll come over tonight to grab that from ya.

Seriously, though, I hope you're already retired.  That Tesla money?  Bitcoin?  Just wondering.

Neither. I only have 4K in BTC. I don’t own Tesla, I mainly mutual funds. Not retired.


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[dandarc]

. . . Not retired.

Out of curiosity, why not?

[iamababypiggy]

. . . Not retired.

Out of curiosity, why not?

Kids still in school. I enjoy working, I would be bored and depressed if I were retired. After about a month I think I would be ready to get back to work. I’m in my 40s


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[Metalcat]

. . . Not retired.

Out of curiosity, why not?

Kids still in school. I enjoy working, I would be bored and depressed if I were retired. After about a month I think I would be ready to get back to work. I’m in my 40s


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Are you the same guy who was around not long ago before under another username? I believe he was in his 40s and married. He talked about staying at work despite not needing to, IIRC said he had close to 8M?

[iamababypiggy]

Nope.


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[Metalcat]

Nope.


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Oh good, because he went around shitting all over early retirees and basically told everyone here that they're boring because they're not rich enough to do interesting things.
It wasn't a good look.

Welcome to the forums, I personally don't assume you aren't telling the truth about your NW because it's not like it's an unrealistic number, it's just not all that common here, at least not that common for people to share. I'm sure there are a few other 5-10M folks hiding around here who just stay quiet about it.

Congrats on the NW jump in 2020.

[Gatzbie]

12/31/2019 -- $126,169.78  --->  12/31/2020 $214,245.98

Been in 100% VSTAX & continued buying through the corona dip.

$88,076.2 (69.8% NW increase)...wow never bothered to look until I saw this thread. Incredible. Growing strong.

*This includes my investments only.

[marty998]

https://www.mrmoneymustache.com/2014/11/11/are-you-giving-the-shaft-to-your-future-self/

For those wondering, the inspiration for this thread way back in 2014 came from that MMM blog post. I really really like that one, resonated well with me about my past self giving my future self a gift.

13-15 years ago I started making life and financial decisions that have got me to present day with no real prospect of having any financial worries or a situation that I couldn't adapt to.

Not having to worry financially about the next 15, 20, 50 years... you can't put a price on that.

[MM_MG]

Nice rebound at the end of the year.   I had to revisit to see if all the doom and gloom came true for 2020...

 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
$1,606,965*         12/19/20       $211,426*

*Could be as high as $1,707,789 and $312,25 difference, but I can't find the spreadsheet I used to create this tracker and I can't remember exactly what accounts I included/excluded. #mmmproblems   

[Freedomin5]

Our TNW is up $275k this year — not too shabby. About half came from income; the other half from investments.

[Dicey]

I try not to pay too much attention to our account balances. However, DH just mentioned that our primary account grew by $10k in one day. This shit works, man. I never earned $10k per month back when I was a working stiff. Keeping my fixed rate mortgage and investing all I could was the ticket. Wowza!

[Wintergreen78]

I try not to pay too much attention to our account balances. However, DH just mentioned that our primary account grew by $10k in one day. This shit works, man. I never earned $10k per month back when I was a working stiff. Keeping my fixed rate mortgage and investing all I could was the ticket. Wowza!

And days in the other direction are good opportunities to practice detachment. I think there was a day this year where my balances dropped by about a half-year’s worth of spending. It felt pretty good to realize I could see that drop and not worry (too much!)

[SwordGuy]

We're fluctuating between $200,000 and $270,000 down from the start of the year.  1% up or down in the S&P 500 index gives roughly a $10K change.  That's handy 'cause I can know about where we are without having to actually check our balances, all I have to do is check the S&P 500 YTD %.

What a difference a few months make.

We're up ~$77,000 since the start of the year.   Our annual passive income is up $24,000 and expenses are down ~$32,000, so we're in a much stronger financial position.   If we stay within budget we no longer need to withdraw anything from our portfolio AND that's with upping our charitable contributions by $12,000 a year.

My only regret is that our country did such a piss-poor job of handling this epidemic, so well over 300,000 people died who shouldn't have, countless others will have long-standing health issues, and many have been financially harmed or ruined.   It's shameful and embarrassing for our country to have done so poorly.

[okparallax]

To say we are incredibly fortunate would be an understatement.
All in all 2020 was a pretty great year for us so far financially. Just a matter of sticking to the plan and not panicking.

Net worth
Jan 1, 2020  = 736,000
Dec 19, 2020 = 1,026,000

Up 290, 000 so far.

[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.

Reporting a little early this year. 20 DEC: $1,507,000. $89,000 in contributions.  $1,600,000 is on the higher scale of my FIRE target, and still have three more years until retirement.

[Sandi_k]

Ten more days in the year, and we've done well, even with 2020 being craptastic in so many other ways.

Investment returns are up 13.84% this year, not including contributions (no Beardstown Ladies' accounting here!).

Net Worth: Up $243k over 2019, including house equity, investments, cash value of my pension, plus cash and personal property.

[Engineer93]

January 2020: 625k
December 2020: 830k
Increase: 205k

Hard to believe!

[couponvan]

Nope.


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Oh good, because he went around shitting all over early retirees and basically told everyone here that they're boring because they're not rich enough to do interesting things.
It wasn't a good look.

Welcome to the forums, I personally don't assume you aren't telling the truth about your NW because it's not like it's an unrealistic number, it's just not all that common here, at least not that common for people to share. I'm sure there are a few other 5-10M folks hiding around here who just stay quiet about it.

Congrats on the NW jump in 2020.

I apologize for my troll comment-I was having a bad day. Post #1 with those numbers on this site are “unusual” for sure. Welcome and congratulations on a good year.

[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.

End 2015: $222k
End 2016: $299k
End 2017: $385k
End 2018: $531k (+146)
End 2019: $700k (+169)
End 2020: $802k (+102)

The financial markets and an addition to the family made it more challenging this year to post the kind of gains from 2018/19, but next year is looking promising from a contribution perspective. If we have a big year in the market, might crack the $1M in 2021, will see.

[jmechanical]

December 2014 - $62000
December 2015 - $91000
December 2016 - $134000
December 2017 - $192000

I am 29 years old. Not quite as badass as MMM himself, but I am making progress.

I have not updated this in a while, I'm now 32 years old.

December 2014 - $62,000
December 2015 - $91,000
December 2016 - $134,000
December 2017 - $192,000
December 2018 - $213,000
December 2019 - $319,000
December 2020 - $393,000

I'm consistently around 35% savings rate, always maxing out a traditional 401k and Roth IRA with some extra going to taxable. In 2020 I also bought a townhouse (my first home) and have about $10k in equity in it, but have not included that in the numbers above.

It's a long slow slog, but as noted years ago I'm making progress. I should hit $500k by 35 years old. A million by 40 might be a stretch, who knows.

I'm still single, not sure if I'll ever start a family, but at least I've got this going for me :)

[TempusFugit]

+245K in CY 2019

As Ender noted above, the December correction (nearly a bear) makes this year's numbers look better than they would otherwise.  But I'll take it.

Looks like CY 2020 is pretty much the same as 2019, with about +240K to the TNW. 

About 60K of that is contributions by me and my employer, so once again the stash has made more money for me this year than employment. Even if I include my employer sponsored health insurance, my little green workers still made more money this year than I did from working.  That's pretty cool.  It doesn't always work out that way, of course (looking at you, 2017).   
 

[marty998]

2012 - $295k
2013 - $419k
2014 - $534k

2015 - $713k
2016 - $897k

2017 - $1,082k

2018 - $1,176k
2019 - $1,330k
2020 - $1,588k (+$258k)

It's been a whopper of a year, and I haven't even revalued the property that I bought back at the start of the year. Given the state of the Sydney market, there's several tens of thousands of further gains to be had (I might just do the old accounting trick of saving those gains for next year, seeing how well things have gone for 2020).

Roll on 2021!

[ciderwave]

My "one spreadsheet to rule them all" sheet says:

• 1/1/2020:
    w/ home equity: 294.8k
    liquid (investments & cash): 204.4k
• 12/28/2020:
    w/ home equity: 552.5k
    liquid (investments & cash): 376.1k

I "realized" about 100k of equity in the house as part of a finance. Didn't take cash out because the rates were much better without.

[BobTheBuilder]

After a long pause, I did my bookkeeping againg.
Got C-19 in March (mild one, no relevant pre-existing conditions), separated from my SO in June, changed job, moved within the country to another city, an here I am still standing.

With 53k instead of 21k a year ago.

2020 was a shitshow, at least until late November, for me personally, and I know others had it way worse. Be gone, 2020.

[StarBright]

The engine of money is astonishing.

In January 2016 (when I started focusing on FIRE for myself) we had just over 125k in retirement savings. That is also the year StarHus started his full time career.

In January 2020 we were at around 440k and as of a few days ago we were at just under 550k (not including home equity).

What is even crazier to me is that I've never managed to max my 401k (though I've come close a few years). The only "strategy" we've had is to try and squeeze a bit extra to throw into the market during obvious drops and we've never pulled money out.

I've been saving steadily since I was 17 years old and it is wild to me how the savings took off with several years of a good market, hitting the hundred k threshold, and having two incomes.

[G-dog]

After a long pause, I did my bookkeeping againg.
Got C-19 in March (mild one, no relevant pre-existing conditions), separated from my SO in June, changed job, moved within the country to another city, an here I am still standing.

With 53k instead of 21k a year ago.

2020 was a shitshow, at least until late November, for me personally, and I know others had it way worse. Be gone, 2020.

That’s a tough year @BobTheBuilder - glad you are still standing.

[Longwaytogo]

Dec 31, 2012  -($33,302)
Dec 31, 2013 -($20,162)     +13,140
Dec 31, 2014    $2,833        +22,995
Dec 31, 2015    $13,330      +10,497
Dec 31, 2016    $75,494      +62,164 **
Dec 31, 2017   $106,827      +31,333
Dec 31, 2018    $125,811     +18,984
Dec 31, 2019   $221,500      +95,689 **

Bit slower then many on here; but started late and in BIG HOLE of debt.  We've made it through the "daycare years" with both our kids and re-fied our consumer debt into a more manageable longer term lower rate second mortgage. Also crossed into 6 figures invested this year and they say the first $100K is the hardest. So I am pretty confident and optimistic for the next decade :)

** years in which I updated and bumped up our home value, in reality it was more linear/averaged out over the other years as well.

Dec 29, 2020   $267,000   +$45,500

On the one hand it's lower than last year. But on the other hand it's the largest increase we've had in a  year in which I didn't up my Home value.

We also refinanced our house (twice) this year which had some closing costs and small cash back/escrow reshuffling to where we basically broke even on debt balances this year; so the whole $45K increase was pretty much retirement accounts.

Onward to 2021 :)

Not sure a target for this year as it'll be our first year with a new lower mortgage meaning not as much principal paydown.  I'll also be starting a new business so not sure where my income will land.