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

[trashtalk]

We are up about $350k this year including equity gains and property value (all paid off). We didn’t calculate in 2020 bc we were too depressed but we are up $700k from our last total in 2019. Our savings rate is garbage right now but at least we didn’t spend it all either.

[Half Stached]

2021 EOY: 2760K
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)

Crazy... it keeps going up! Despite FIREing over two years ago, I've found I'm happiest taking on consulting work for 1-2 days a week. I'm fairly picky about it so sometimes I go a few months with nothing, but I enjoy the work when its on my terms: light, lucrative, and no office politics. This also keeps me in contact with some friends I might otherwise not see and keeps my mind sharp.

[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

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: $312K increase (updated real estate info so I revised my previous estimate of $230K)
2021: $427K increase (and I FIRE'd at the end of May)
2022: I'd be happy to see no increase or decrease, but who knows? It's a wild world out there.

[couponvan]

12/16 $1.31
12/17 $1.49
12/18 $1.59

12/19 $1.79

12/20 $2.43. 

12/21 $2.78
DH switched jobs during 2021, and his base salary is going to be MUCH lower for 2022. Stock options in 2 years should change that whole scenario, but we will have 2 OOS tuitions and 1 Stanford semester to pay for with no financial aid. Living the dream! Working to pay tuition! 2022 was our original FIRE date, but it looks like DH will be working at least 3 more years since I worked 3 less years. 2022 will be the year of treading water.

[2KidFIRE]

EOY Invested Assets
2020 - $3.20M
2021 - $3.96M (+ $760,000)

Clearly 2021 was a great year for the markets.  My wife left her job at the end of September in 2021 and I'm planning to do the same at some point in 2022; probably no later than the end of May.  Happy New Year everyone!

[maisymouser]

Cash + Stocks:
Jan 1, 2021 - 219k
Jan 1, 2022 - 308k
Total NW Increase: 89k

Excluded increase in home equity, treat my assets as separate from DH's. Salary is 75k so I'll call this year a win!

[Mississippi Mudstache]

I started tracking net worth late in 2013. I'll list my beginning and ending NW for each year starting with 2014:

Year    Starting        Ending       Change   % Change
2014      $70,000     $125,000     $55,000       79%
2015    $125,000     $133,000       $8,000       6%
2016    $133,000     $171,000     $38,000       29%
2017    $171,000     $231,000     $60,000       35%
2018    $231,000     $255,000     $24,000       10%

Last few years have been wild. I quit my job in 2019, and started a furniture & cabinetmaking business. Have to credit my frugality and investing for giving me the solid financial footing to make the plunge. After two and a half successful years on my own, one of my old employers gave me an offer to come back as a remote employee that I couldn't refuse. So I'm going back to the corporate world this month, but on my terms.

Obviously the last few years have been good ones from the investment perspective. We didn't shovel as much into retirement accounts after I went self-employed, but the nest egg that I'd already accrued went on a tear in 2020, as well as my home equity. We made the decision to downsize and harvest some home equity last fall. We owed $230K on a house that we sold for $470K, downsized to a $280K house. The new house is not as big or as nice, but it suits our needs and gives us more money to invest. ($230K more to invest, more or less).

2019    $255,000     $273,000     $18,000       7%
2020    $273,000     $373,000     $100,000    36%
2021    $373,000    $638,000     $235,000       71%

The massive jump in net worth mostly reflects the nutso housing market over the last year. I tried to account for our home equity in the past, but I was always conservative with my estimate. Anyway, breaking the half-million mark this year was a huge psychological boost. And all that home equity has now been converted into investable cash. Planning to use it to buy timberland this year.

[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.

Hit $1000k back in November and ended the year up $272k with a savings rate of 74%.

With only 6 months left on my work contract, I need to decide what my next life looks like.

[Imustacheyouaquestion]

Dec 2015: $65,356
Dec 2016: $106,701    (+ $41,345)
Dec 2017: $206,349    (+ $99,648)
Dec 2018: $255,892    (+ $49,542)
Dec 2019: $424,020    (+ $168,128)
Dec 2020: $584,000    (+ $160,000)
Dec 2021: $788,000    (+ $204,000)

My goal is to save $100k in 2022.

[Rightflyer]

Retirement investment pots only.
(Effectively FIRE'D in 2017.)

Interesting to see the huge increases from some of the other posters.

2004    $247,000    
2005    $258,583    5%
2006    $290,050    12%
2007    $389,541    34%
2008    $342,049    -12%
2009    $351,000    3%
2010    $402,000    15%
2011    $453,210    13%
2012    $499,890    10%
2013    $577,000    15%
2014    $681,150    18%
2015    $790,160    16%
2016    $809,166    2%
2017    $876,339    8%
2018    $818,475    -7%
2019    $899,859    10%
2020    $954,475    6%
2021    $1,071,840    12%

[clarkfan1979]

Retirement investment pots only.
(Effectively FIRE'D in 2017.)

Interesting to see the huge increases from some of the other posters.

2004    $247,000    
2005    $258,583    5%
2006    $290,050    12%
2007    $389,541    34%
2008    $342,049    -12%
2009    $351,000    3%
2010    $402,000    15%
2011    $453,210    13%
2012    $499,890    10%
2013    $577,000    15%
2014    $681,150    18%
2015    $790,160    16%
2016    $809,166    2%
2017    $876,339    8%
2018    $818,475    -7%
2019    $899,859    10%
2020    $954,475    6%
2021    $1,071,840    12%

For 2021, total gains were around 450K (750K to 1200K). Real estate gains were around 380K, 43K for stocks and another 27K of savings that went into retirement accounts. For 2021, total gains were around 450K.

For 2021, I started my transition into more of a spender. However, I'm not buying stuff, it's more on travel and experiences.

1. 3 trips to Florida to see parents (Jan - March)
2. 6 week trip to Kauai (June)
3. 2 week trip to midwest to see family, which included 1 week in Ely, MN (beautiful)
4. Two snowboard passes. Epic local pass for $550 and Monarch Mountain pass for $450. Aiming for 40 to 50 days of snowboarding.
5. Season pass for golf for $525. They still charge you $11 for each 18 holes. I think I need 32 rounds to break even from the regular rate.

[dignam]

NW increased 47.55% in 2021 to finish at $454k. 

This just blows my mind; I remember celebrating in 2017 when I crossed the $100k NW milestone.  It really seems to be true that the first $100k is the hardest.

[Glenstache]

It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

[dignam]

Good points Glenstache.  I think I had posted before (maybe in this thread?) that I almost feel guilty to be in the position I am during the pandemic/housing price spike.  So many peers are either struggling to make it work or simply don't have enough in the market to have captured any significant gains.

[Exflyboy]

It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

I agree this last decade looks to be a bit outrageous as far as growth goes. Just the other day I had a friend who asked me what he should do to "be like me"*

My natural reaction is to tell him to do what I did and invest everything he has in a stock market index fund. The trouble is of course the short to medium term outlook appears to be very toppy and I honestly hesitate to provide the standard recommendation, particularly as this guy is not making much more than he needs to live and psychology being what it is.. if he invests now chances are the market will go down 20+% over the next year or so and he will probably sell somewhere near the bottom!

I am just thankful I did what I did when I did.


*... I don't think he was talking about my irresistability to the opposite sex?..:)

[Abe]

It looks like this was a particularly good year for many of us. I personally expect to look back on this in 10 years as a bit of an outlier for growth and having been lucky enough to have been in the market at a good time rather than any smart play by me beyond just steady investing. This was also a year that really reinforced that it takes money to make money. For friends who are younger and have less to build a financial cushion, the last year was not as kind and they more or less treaded water against inflation, particularly in cost of housing which increased much faster than their income. So, even though this was a good year in the "present I give myself" category that allowed me to reach coastFI mode, it has also brought a reminder of humility.

I agree this last decade looks to be a bit outrageous as far as growth goes. Just the other day I had a friend who asked me what he should do to "be like me"*

My natural reaction is to tell him to do what I did and invest everything he has in a stock market index fund. The trouble is of course the short to medium term outlook appears to be very toppy and I honestly hesitate to provide the standard recommendation, particularly as this guy is not making much more than he needs to live and psychology being what it is.. if he invests now chances are the market will go down 20+% over the next year or so and he will probably sell somewhere near the bottom!

I am just thankful I did what I did when I did.


*... I don't think he was talking about my irresistability to the opposite sex?..:)

I agree with you both...though still early in my career I've had more financial success than my peers. A lot of that is privilege and luck, but some is self-control when spending money. I emphasize that while not discounting the other factors. There should always be emphasis on frugality / resilience and less on assuming wild gains in investments. The former are things one can control, the latter is not.

Regardless of the last decade or longer, I assume historically weak returns for career planning just for the extra security it provides. This brings up the idea of retirement not being binary - one can retire from a boring/stressful career to a less stressful job if there's resources (FU money) to support oneself when walking away. Having the professional and financial ability to switch can take time and effort in the first career, though. It comes down to delayed gratification, which the unusual returns in the last few years tricks us into ignoring.

[Edwards]

Did the calculations and was surprised to find an increase of $125k this year. 

2\3 of which was from market gains (it was a great year).  Like many others have stated, happy with the results but won't expect to always have a similar output.

[firedupready2go]

It was a good year for saving and investing!

January 1, 2021
Net Worth: $263,691
Invested Assets and Liquid Savings (i.e. - removed home equity): $163,691

January 1, 2022
Net Worth: $370,898
Invested Assets and Liquid Savings (i.e. - removed home equity): $251,537

Our overall net worth increased by more than $100,000 - which was my approximate goal for the year. Hoping for greater things in 2022!

[YttriumNitrate]

So tallying up my investments and expenses for 2021, my net worth (excluding any appreciation in my primary residence) increased by 7x my annual expenses. Yay! On the downside, that 6.8% inflation eroded away more purchasing power than my entire pre-tax salary in 2021. D'oh!

[trashtalk]

So tallying up my investments and expenses for 2021, my net worth (excluding any appreciation in my primary residence) increased by 7x my annual expenses. Yay! On the downside, that 6.8% inflation eroded away more purchasing power than my entire pre-tax salary in 2021. D'oh!

This is the best and most mustachianly correct way to report this. Congrats on the first part, that’s amazing, and sorry about the inflation, heh.

[Jack0Life]

We had a huge jump of $317,486. I broke it down.
$150,000 of that I bumped up our houses value because the Florida market is insane. I have a rental.
$149,843 was investment returns with minimal returns from rental and loan.
That leaves $17,807 from savings. My wife only made $30k before she quit and I only made roughly $40k once I got hired back. I would say we lived on roughly $50k in 2021.
We filed ACA for 2022 with an estimated income of $52k minus $12k IRA contributions making our MAGI at $40k. They gave us a subsidy of $1080 with that MAGI.
Our plan going forward is $52k every year which should barely cover our expenses and not touch our stash. My wife is great at clothes alteration and hopefully she can make some side money doing that.
We are CoastFIRE and this is our plan going forward.
Our stash won't grow as fast as everyone else but we feel what we have is plenty.

[getsorted]

Mint says it's up almost $16,000, which is over a 100% increase for me at the moment. Most of that is increase in the value of my home according to Zillow-- which is probably undervaluing since I have also replaced the roof and attic insulation, AC unit, and rehabilitated several dangerously neglected trees. However, I started 2021 with $10,000 in personal debts (thanks, divorce) that have now been paid off, and added almost $5,000 to my 401(k) and $5000 to my son's college fund. Next year should be an even bigger improvement as I'm now in a position to undertake more Mustachian enterprises and am down to only $2200 in medical debt, plus my mortgage.

[Gingersnaps]

A little late but my annual net worth update. Skipped the 2s entirely! Considering I've not worked since March I'm delighted

Jan 2020: £91,386.49
Jan 2021: £188,852.81
Jan 2022: £311,227.59

[EarlyInJourney]

I don't have neat apples-to-apples EOY totals, but close enough for my purposes:

12-9-2017:  (64K)  (discovered MMM)
10-15-2018:  (46K)  (got married) (up 18K)
11-27-2019:  2K (paid off last CC debt) (up 48K)
12-30-20:  45K (had a baby) (up 43K)
1-10-2022:  169K (52K student loan forgiven) (up a whopping 124K!)

As always, it's gratifying to take a step back and see the long term progress.  Checking balances week-to-week really affects my perception of how I'm doing; it makes it seem like I'm crawling along so slowly, when I'm really doing just fine, I think - I'm up 233K in the 5 years since I found MMM and really started paying attention. 

I'm really happy that I have no debt, and have vested, reasonably solid pensions (not included in NW calculations), which should/will give me $2.7K/mo starting at age 62, or $3.5K at 65. Like others have said, I'm not taking the past decade of great market returns for granted, and am trying to psychologically prep myself for the inevitable downturn ("don't focus on your portfolio value drop - stocks are on sale!").

In any case, congrats to everyone for great progress towards your goals and dreams!

[Miss Piggy]

Up $431,000 and some change with zero effort. Jeez...that's outrageous. Wish I could tell someone IRL, but I'll stick with just sharing it here.

Congrats, everyone!

[AJDZee]

[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)

[Dicey]

[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)

I was thinking the same thing as I scanned the January posts, lol. As long as people don't panic, they'll be fine. Welcome back!

[Turtle]

[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)

I expect I'll be comparing number of shares owned as a way to keep perspective.  It's an advantage of still being in accumulation phase for investments.

[marty998]

[logged back into MMM after taking a few years away]

Reading this thread from January was great, but I don't think the 'NW increase 2022' thread is going to be as joyful LOL :)

I was thinking the same thing as I scanned the January posts, lol. As long as people don't panic, they'll be fine. Welcome back!

Ha it's been a strange sort of year... first time in a long time we've had a persistent bear market, well, one that lasts more than 30 days.

I'm actually up a fair bit. For a number of reasons:
- One lithium stock investment I sold for a 275% profit (held for 4 years, very rocky share price that one, at one stage being down 80%).
- I'd switched most of my retirement savings to cash & fixed income in September 2021 when Evergrade was teetering (and that shemozzle still hasn't resolved itself yet). I switched back to mostly Australian equities in various chucks in July and October when the Australian market hit lows, so I won the market timing game there several times, especially with Australia being one of the better performing markets this year.
- I wasn't exposed heavily, if at all to US tech stocks. I never jumped on the Nasdaq bandwagon.
- I've paid down about $100,000 of investment debt - guaranteed returns there with interest rates rising.
- I avoided crypto like the plague.

Still a month and a bit to go, but 2022 has been a good year. Not great, but I'll take up and good in a year like this.

[clarkfan1979]

Retirement investment pots only.
(Effectively FIRE'D in 2017.)

Interesting to see the huge increases from some of the other posters.

2004    $247,000    
2005    $258,583    5%
2006    $290,050    12%
2007    $389,541    34%
2008    $342,049    -12%
2009    $351,000    3%
2010    $402,000    15%
2011    $453,210    13%
2012    $499,890    10%
2013    $577,000    15%
2014    $681,150    18%
2015    $790,160    16%
2016    $809,166    2%
2017    $876,339    8%
2018    $818,475    -7%
2019    $899,859    10%
2020    $954,475    6%
2021    $1,071,840    12%

For 2021, total gains were around 450K (750K to 1200K). Real estate gains were around 380K, 43K for stocks and another 27K of savings that went into retirement accounts. For 2021, total gains were around 450K.

For 2021, I started my transition into more of a spender. However, I'm not buying stuff, it's more on travel and experiences.

1. 3 trips to Florida to see parents (Jan - March)
2. 6 week trip to Kauai (June)
3. 2 week trip to midwest to see family, which included 1 week in Ely, MN (beautiful)
4. Two snowboard passes. Epic local pass for $550 and Monarch Mountain pass for $450. Aiming for 40 to 50 days of snowboarding.
5. Season pass for golf for $525. They still charge you $11 for each 18 holes. I think I need 32 rounds to break even from the regular rate.

It took about 8 years to go from zero to 700K.

It took another 3 years to go from 700K to 1400K.

*We were both working full-time in the beginning and then my wife switched to part-time work in year 4. We had a kid in year 6.

[Money Badger]

This classic thread never gets old...   I love the smell of compounding interest in the morning... It smells like... VICTORY!

[catccc]

The present that I gave myself this year was investing nearly 90K in a down market.
The present the down market gave to me was -$250K, NW went from around $1.9M to $1.65M.

I was on the cusp of RE but nervous about the market taking a turn.  I guess I'm just grateful that the timing of everything is not too shabby.  I was considering walking away from work this summer, but I got a promotion and raise at the start of the year, which made me want to stick around longer.  This was also the first year I had to DCA our IRA contributions (every prior year, I've invested a lump sum ASAP in January).  Cash flow changed and I (fortunately) couldn't continue that tradition this year.

[Abe]

Our net worth went up about $183k, or ~20% due to a lot of savings this year despite the stock market drop of 10% this year. I actually didn't realize we saved that much until calculating it for this thread! Our goal is $2.5m (I know, I know, just like to have a big cushion). I think we can make that in 6 years with 0% return on investment, or 4 years if that goes up to 8% annually.

This year - we bought a rental, traded in a car for an electric one, and installed batteries for the house. Also blew an embarrassing amount of money on vacation (totally worth it after 2 years of pandemic).

[RWD]

We're down roughly $60k since January 1st. Couldn't out-save the stock market drop.

[Sugaree]

I won't have official numbers until the beginning of the year, but as of today my net worth is up $1067 despite contributions of more than $30k.  Ten years ago that would have been enough to scare me off investing forever.  Now, I'm saying "bring it on."

[charis]

Our net worth is technically up due to house appreciation and a pension vesting, but investments are still down at least 30k after saving almost 90k during the year.

[YttriumNitrate]

In terms of financial assets, it looks like I'll be down about $200k this year even with new contributions. Appreciation of non-primary residence real estate offsets roughly $20k of that loss (according to Zillow). The big winner this year was some new commercial real estate that more or less offset the losses in the other areas to make 2022 a flat year (or possibly a bit up).

[FIPurpose]

I'm also down a bit though not as much as others here. About 20k down overall

A lot of my stock investments were balanced by my energy etfs staying solid, fundrise continues to be a solid investment with around 5% returns this year, I bought a house, so withdrew a good chunk of money back in May. And I seem to do more bonds than most people here (Around 20-25%), iBonds, and other bonds have done about 5% better than stocks.

Overall, my net worth is down about 2.5%. Not bad for an down year. So looks like I probably won't be hitting the million mark next year, but one can dream.

[JAYSLOL]

I’m on track to just barely beat my savings goal that I changed from $100/day to $110/day for 2022, so I will have saved just over $40k this year, but NW is looking like up just over $30k because of the market.  Frankly I’m glad prices are down this year and hope we get a fairly extended lower market so I can pile in the money while it’s down for once.  I really haven’t paid nearly as much attention to NW as savings and savings rate, it was easier to be motivated to set personal savings records than work towards a net worth goal in a falling market.  Final numbers to come by the new year

[JAYSLOL]

I’m on track to just barely beat my savings goal that I changed from $100/day to $110/day for 2022, so I will have saved just over $40k this year, but NW is looking like up just over $30k because of the market.  Frankly I’m glad prices are down this year and hope we get a fairly extended lower market so I can pile in the money while it’s down for once.  I really haven’t paid nearly as much attention to NW as savings and savings rate, it was easier to be motivated to set personal savings records than work towards a net worth goal in a falling market.  Final numbers to come by the new year

Final numbers in and I did save exactly $110/day this year.  I’m not sure what to expect for 2023 yet, although I’m definitely hoping to level up my savings even more, I’ll set a starting goal of $125/day for 2023. 

[StarBright]

We are down about 45k from this same time last year.

We don't count real estate gains in that number though. If we counted house appreciation we'd be up about 50k.

[Midwest_Handlebar]

Up $250k for the year, but 1/2 of what I forecast on 1/1/22. The stock market sucked this year, but it would be silly to complain. Semi monthly paychecks are increasingly inconsequential.

[w@nker]

NW down about $250k on the year, despite about $400k of savings.  I am rooting for some continued weakness so that I can keep plowing away amid reasonable valuations.

[McStache]

2013 - $10k?
2014 - $49k
2015 - $101k
2016 - $180k
2017 - $288k
2018 - $318k
2019 - $442k
2020 - $575k
2021 - $775k
2022 - $697k

Added about $50k then assets are down about $130k. First year I couldn't offset (paper) losses with savings - the market definitely has more influence than me on my net worth these days.

[onecoolcat]

Excluding paid for home and spouse's assets:

1/1/2015 - ($62,000)
1/1/2016 - ($11,622.00)
1/1/2017 - $43,708.00
1/1/2018 - $113,000.00
1/1/2019 - $100,144.66 (-4.76%)
1/1/2020 - $182,677.98 (+82.68%)
1/1/2021 - $364,367.91 (+99.46)
1/1/2022 - $692,149.26  (+89.96%)
1/1/2023 - $501,248.42 (-27.58%)

Two record setting years in a row for me.  I liked the last one a bit more though. 

Bitcoin giveth and taketh away.

[soccerluvof4]

I am still down a little over 450k but being Fire'd I am living on my cash reserve for now which will run out in another 2 years about with profit taking as the market out ran itself the last few years. Plus I am adding back in on dips. Hopefully by then the market will figure its way out but who knows. Just hanging in there.

[theninthwall]

End of 2020 - $447k
End of 2021 - $627k
End of 2022 - $706k

Both my wife and I’s income increased this year, so it was a little disheartening to ‘only’ increase by $70k, but then we have to look at just how fortunate we are compared to the vast majority of people in the world. We are thankful to have our health and each other.

[Gone Fishing]

Probably down on account of market movements.  Don’t really pay much attention to it anymore…

[SotI]

I am basically down by 15k bucks on financial assets despite plunging another 50k or so in as additional savings/investments.
So, not much of an increase compared to last year ... Still, it could be worse, but I hope that the monthly investments will still build up.

Mind, the equity part wasn't quite THAT bad. My most substantial  losses are from (older) bonds that I use  as secondary backup funding but fortunately it*s less than 20% of my portfolio.

[Sandi_k]

Total Net Worth is up for 2022, but investments are down 15%, with a 70/30 portfolio.

Bummer.