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

[Engineer93]

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

Hard to believe!

[couponvan]

Nope.


Sent from my iPhone using Tapatalk

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!

[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.

Placeholder for 2020 numbers - another week. God knows anything could still happen this year!

UPDATE:
1/1/2021: $1,933,000 - WUT? 
-  Up about $313K
-  Up over $820K since retiring 7/2015

[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.

[SwordGuy]

...
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.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)

[Abe]

About even as we withdrew money due to temporary unemployment from covid shutdown and a move. Also bought a house and consider that net even. Good news is with the new job, our projected savings for next year is a quarter of our total savings so far! On course for FI by 2026!

[Faramir]

Household combined figures converted to US$

end 2012: $130K
end 2013: $221K   +$91K on combined salaries totaling $76K
end 2014: $318K   +$97K on combined salaries totaling $80K
end 2015: $362K   +$44K on combined salaries totaling $80K 
end 2016: $486K   +124K on combined salaries totaling $85K   

I didn't realise I hadn't updated this thread annually.  US$ used.

end 2017: $660K    +$174K
end 2018: $630K    - $30K   (NW increased in NZ$ but not in US$ due to currency fluctuation)
end 2019: $681K    +$51K
end 2020: $842K    +$161K (big increase due to NZ$ gains vs US$, probably thanks to NZ covid response)

[Longwaytogo]

...
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.

Congrats on such serious progress and making the $100K investment milestone!

As for where your income will land, in the market in index funds, you silly! :)

Thanks!

Ha!

[Fish Sweet]

As of 12/30/20, I am up 28k in NW from the first of this year, for a total of about 256k.  I've had years with a much higher increase, but it's pretty fucking amazing for 2020, a year in which I left my FT job and ended up relying wholly on my crafting income, paid for all my own health insurance, endured expensive prolonged family illness (hospital parking was $28 fucking dollars a day, can you believe that shit?), paid for half of my sister's tuition, and of course went through the ongoing COVID pandemic like the rest of the world.  And also depression-purchased a lot of random things, not gonna lie.

It really just serves to drive home how fucking fortunate I am, and also how effective saving + investing is.  Past!Fish Sweet worked hard and saved hard and endured so that present!Fish Sweet could have a little breathing room in this awful, awful year, and I'm very grateful for that.

[ItsALongStory]

2020 was quite the incredible year for my SO and I.

We set off with the following plan:
- look for internal job transfer and move from US to Europe
- continue targeting the firehose towards FIRE in 3-5 years

Instead we totally switched it up:
- failed to get that internal transfer
- talked it through and decided to go forth with mini-retirement (for me, SO has been retired for years) anyway
- sold our house, cars & most belongings
- moved to Europe in September with a plan to slow travel throughout the continent

Financially it was a tremendous year as we invested the proceeds from our house sale. We missed the biggest dip but still benefited a lot from maxing out 401k/HSA/IRAs early.

1/1/20: $264k invested + about $200k estimated home equity
12/21/20: $700k invested for an increase of $236k which is absolute madness!

No more money is getting added to the stash currently so things will certainly slow down but we're so fortunate for what 2020 brought us despite all of the crap the world has had to deal with.

[philli14]

Jan 1 2018: $21,789
Jan 1 2019:  $67,786
Jan 1 2020: $127,304
Jan 1 2021: $203,920

Unbelievably thankful and grateful!

[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)

31 Dec 2020: $914,880  (Δ $207,947)

I saved $60,500 and the rest is (holy wow) market gains. Lower savings than previous year. I added a fancy condo to the fancy car.

[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
Dec. '19:  $651,000
Dec. '20:  $854,000
Another great year of savings and market returns.  Looks like we should add a comma in '21.  Amazing to see everyone's success!

[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.

December '20 - $1,115,691 ($316,379, 40%)

We broke the million mark through a combination of aggressive contributions and market gains.

[salt cured]

Hit $750k for the first time yesterday. Up 43%/$229k for the year with a savings rate of 76%.

With only 19 months left on my work contract, I need to start planning what my next life looks like.

[onecoolcat]

I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).

[ScreamingHeadGuy]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome! 

[Wintergreen78]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Yep! I’m going to go back to work after not working for three years. I just realized my net worth went up by almost exactly what I asked for as my annual salary.

And I was at least 5 or 6 years into my professional career before my salary matched my returns this year.

[McStache]

2013 - $10,000?
2014 - $49,193
2015 - $101,290
2016 - $179,734
2017 - $287,830
2018 - $317,638
2019 - $441,666
2020 - $574,853

Crossed the half million mark this year! The market made more than I contributed this year - 62k me + 71k market = 134k total

[Weisass]

2018: $488k
2019: $759k
2020: $830k

Looking forward to a good 2021!

[Half Stached]

2020 EOY: 2383K
2019 EOY: 2122K (retired in March)
2018 EOY: 1517K
2017 EOY: 1502K
2016 EOY: 1079K
2015 EOY: 820K
7/1/15: 749K (when I started tracking)

It's crazy to see this kind of appreciation during a year like this...

[MrsCoolCat]

I'm up about $42,000 for 2015.  Wife is up about 30k.  Pretty exciting since this was my first year of saving like a mustachian.  However, I still have a negative networth.

2015 Breakdown:
$19,600 in 401k (includes employer contributions)
$5,350 in IRA (took losses)
$3,350 in HSA
$7,000 paid to brother for interest free car loan debt
$7,000 paid toward student loan principle (I paid extra before I refinanced with sofi) :(

1/1/2016 - (11,622)
12/11/2016 - 41,938

+$53,560, this feels nuts!

Jan. 1, 2017 - $43,708
Jan. 1, 2018 - $113,000

+$69,292 in 2017.  I took a pay cut in late 2016 and went to a single-income household due to a +1 to our family so I'm stoked about the gains.

Looks like I'll be down significantly this year but its all good.  Right now I'm at $93k.  This doesn't include our house which is paid off.  Three reasons for the loses: 1) I lost a cool $40k in cryptocurrency this year (I bought $3,500 worth in 2017 and by January 2018 it was over $50,000 but it has just about fallen all the way back to what I bought it at), 2) my wife and I had our second child and I paid about $5,500 for the maternity costs alone, and 3) my index funds are down by about $14,000.  I haven't put any money into crypto since Q3 2017 but I'm considering it now.  So I lost about $60,000 in 2018 and saved about $40,000 for a net loss of $20,000 so far in 2018.

Its no fun seeing a decrease but the crypto really inflated my numbers.  Good thing the year ends in December and not January or my losses would have been much higher because in the month of January it went up a lot but has fallen since February.  It doesn't feel like I ever really had the $40k in the first place but I included it in my figure for 2017 so I got to take the hit in 2018. 

-------------------------------------

Updated 1/1/2019!

1/1/2016 - $(11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66

1/1/2020 - $182,658.32.  An increase of $82k.  I'm happy with it but it could have been much better.  My spouse plans to reenter the workforce after more than 3 years of being a SAHM.  It's our goal to get her a flexible job nearby that has good insurance and a 401k.  I'm currently paying over $18,000 annually in insurance premiums (for meh insurance) so we would love to find something better.

1/1/2021 - $363,520.25.  An increase of $180,842.27.   Crappy year overall but I am thrilled with the financial gains.  Pretty much hit on all cylinders in 2020.  I front-loaded my retirement accounts which meant I was buying heavily during the February-March crash, made a little in crypto, and made a little in the collectible sealed Magic the Gathering/Pokemon TCG scenes (not a scalper/reseller.  I buy from a Local Game Store and sell a portion of the older stuff that is out of print to recover my basis and sit on the rest - its quite fun).

My spouse is going back into the workforce in a couple weeks, after being a SAHM for four years.  I don't include her accounts in the above so it won't be a significant impact to my future updates but it is definitely a major factor in us become FIRE sooner.  Her job will give our family much better insurance options.  We currently pay around $1,200 a month for insurance and her job will give us access to insurance that is $250 per month.  Huge savings potential there (there will be savings even if we hit the much higher deductible but we are hoping that doesnt happen).

Sent from my Pixel 2 XL using Tapatalk

[Holocene]

I updated my spreadsheet today.  My liquid net worth is now $905k.  I don't bother to really track home equity but that's probably another 100k or so.  Up $187k from last year which is absolutely crazy considering the year we had.  I track my assets monthly, so in April, I was at $578k (-$140k since Jan 1).  Things were not looking good at the time and I was convinced that my FIRE date (2022) would probably need to be pushed out since I was sure we'd be in a recession for a few years.  Now I'm basically at my FIRE number.  What a crazy year.  I've never tried to time the markets, but this has really convinced me not to try.  I thought for sure markets would stay low what with large swaths of the economy being shut down.  They've definitely proven me wrong but I won't complain.  Glad I didn't listen to all the noise as things were crashing.

It's been a tough year for most of us, but I'll admit I've had it much easier than many.  I'm grateful for so much, especially my health and not needing to stress about money in this time when so many are.  I honestly didn't expect my NW to increase this year.  I was just happy to have a roof over my head, a safe job, and financial security to make it through some rough times.  Congrats to everyone who made progress in 2020 and for making it through a tough year.  Here's to hoping 2021 is a little kinder to us all.

[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)
January 2021          660000        +160000   

No major changes this year (other than the entire world around me).  I made only around 1k more this year and spent around 2k less than last year.  I saved around $63500 and the rest was all market gains.  It is still insane to me that after such a short time that my money makes more than I do.  I just hope that this year is better than last year in all ways.

[marty998]

Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

[marty998]

Fun fact:  I made more in 2020 (my first full year of early retirement) than I made in total in the first 25 years of my life's employment.

In other words, all of my wages added together between my first minimum wage job in 1986 and my eventual professional career of the year 2011 do not equal what I have added to my stache in this single screwed up year of 2020.  Without a job. 

Embarrassing riches.  I am so grateful to have figured this shit out.

That is awesome!

Amazing! Reminds me of the Buffet graph that shows he made more in a couple of years in his 80s than his entire life to 79.

[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)
2020: $1,355,244 (+$324,697)

I knew our NW would be up this year but I honestly didn't realize by how much. It's especially shocking seeing as my husband and I were reduced to 80% time (and pay) for half of the year plus I was out on unpaid maternity leave for about 4 weeks. This is bonkers.

[Queen Frugal]

I'm still at the beginning of my FI journey but I am pleased with my progress for 2020.

Looking back at my numbers for the year, I was down 21% at the end of March. What a year.

2018: $   67,326
2019: $ 116,757 (+49,431)
2020: $ 169,634 (+52,877)

[NotJen]

Year End          NW            NW change
  2014     $   426,858.76   
  2015     $   480,051.14     $  53,192
  2016     $   573,296.77     $  93,246
  2017     $   738,621.46     $165,325
  2018     $   765,895.59     $  27,274
  2019     $1,007,273.79     $241,378
  2020     $1,205,500.96     $198,227

I did not add to my investments at all this year, so the increase seems a little nuts (though I did have a well-timed rollover that made me $41k, so there's that).  I do include my home value in my NW, but I've kept it constant all these years.

[foghorn]

1-1-20 = $3,156,875
1-1-21 = $3,582,867

Change = +$425,992

If I added the value of the house (paid for - about $350,000) - I broke over Total NW of $3,900,000 as of today.

Considering what a shit show 2020 was, I am finding it very hard to complain about anything. 

[Chrissy]

2015:  $604k
2016:  $724k
2017:  $860k
2018:  $900k
2019:  $977k
2020:  $1.180M

That's $194k of growth in savings & investments, and $9k in additional home equity this year.

[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

12/31/2020: $110,648 Sold my house, passed the CPA exam. Curious what 2021 holds.

[Nate R]

End of 2013: 27K
End of 2014: 41K
End of 2015: 78K
End of 2016: 120K
End of 2017: 199K
End of 2018: 241K
End of 2019: 315K   
End of 2020: 386K -- Increase of 71K or 22%.

Changes this year: Did a TON of home improvements on our 1921 duplex. (Had a LOT of deferred maintenance when we bought it, catching up on some of that now.) Our downstairs tenants moved out, and ended up spending money unexpectedly inside that unit as well as what we already had planned. New backyard fence, central AC installed in both units, jacked up and rebuilt our garage walls and resided it, new front and back doors on the house, replaced 16 of the house windows. New laundry appliances, fridge and dishwasher for our tenants. Resided one side of the house, doing the other 3 in 2021.
Refi'd our 1st mortgage and rolled some of these expenses into that.
 Also started building our dry cabin this fall, before our building permit expires. Slab was poured in 2019, got our exterior framing and sheathing up, and roof on. Hooked up to electrical grid, and windows and doors are getting delivered this week.

2021 plans: Finishing house residing project, get the gutters replaced, and then more work on our cabin. On the cabin, hoping to get the windows, doors, skylights and wood stove/chimney installed, electrical finished and insulated.

We've been EXTREMELY lucky this year. We both still have our jobs, got some great new tenants downstairs, and enjoying the increased utility of the home improvements. (Like a dry garage, and being able to open windows in the house! No health issues on our end this year, and we were able to take a fantastic trip in January. We had some intense last few years with work, school, and home projects, so we've been able to start reaping the payoffs from that work.

So our debt actually increased this year, but still saved plenty, increased our giving, and our investments did fantastically well. To have another big NW increase in a year like this with spending like we had, AND the pandemic effects....I'm amazed.

[fattest_foot]

2014: $97k
2015: $129k (+$32k, 32%)
2016: $205k (+$76k, 59%)
2017: $318k (+$113k, 54%)
2018: $366k (+$48k, 15%)
2019: $557k (+$191k, 52%)

2020: $784k (+$227k, 41%)

[zygote]

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 (+$26k)
12/19: $118k (+$48k)
12/20: $192k (+$74k)

I got an unexpected large cash gift at the end of the year, so that helped a lot. Otherwise, I invested about the same amount as I did in 2020. But even without the gift, my net worth increased more this year than last. Crazy how much the market went up in the face of a pandemic, and how much I'm already starting to see that compound interest at work.

[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...

12/20 $2.43.

I did NOT go back to work in March or April, and I was grateful 2020 March that I had spent the prior year doing a bunch of YOLO items.  Spent most of 2020 hunkered down not doing much.  Got some new foobs (cancer sucks), hubs got a new hip, we bought a travel trailer, bought used SUV clown car to tow said travel trailer, and I am shocked at how much net worth increased since last year given the global situation as well as still paying cash for college with OOS tuition rates and only one income.

Our original FIRE number was $2.5 million and a paid off house.  We are starting to look seriously at the coast FI option and if it's a possibility in 2 years to downsize to a smaller house in a HCOL area with a lower income stream. We are shifting around things to provide additional liquidity our finances.   

[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

2019     381,913
2020     495,309

Largest absolute increase yet. Over 75% of it was the market.

[SpareChange]

Wow wow wow look at all these numbers!

So many on this page starting small and within a short decade or less turning it into hundreds of thousands or even a million or more.

All of us have completely different backgrounds and life circumstances... and yet it’s result after result after result after result proving that this shit works.

Hearty congratulations to all, and may we all continue on our merry ways in 2021!

+1. It's wonderful to see. And experience.

[Chaplin]

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.

2020: $230K increase (wild markets + luck putting in money during the March dip)
2021 prediction: happy with any increase since I'll be FIRE'ing midway through the year

[FIreDrill]

End of      NW           Change

12/13:   $41,032   
12/14:   $106,801    $65,769
12/15:   $197,262    $90,461
12/16:   $276,361    $79,099
12/17:   $368,051    $91,690
12/18:   $394,472    $26,421
12/19:   $560,195    $165,723

12/20:   $840,205    $280,010

2020 was rediculous in so many ways.  Hard to believe we were close to having a 300k YOY increase....  Thanks Mr Market.  Stay safe out there everyone.

[trygeek]

$96000 increase for the year not as much as last year but who can complain about almost a hundred thousand dollars. Especially after how the beginning of the year looked.

[Sandi_k]

NW increase of $352k in 2020.

- $130k increase in our portfolio, year-over-year. Only $26k was contributions.
- $22k increase in home equity via paid-down principal
- $200k increase in lump-sum pension value.

Jan. 1, 2019: $2.3M
Jan. 1, 2020: $2.75M
Jan. 1, 2021: $3.1M

Note that half of that NW is in the form of the lump sum cash value of a defined benefit pension.