Six months ago (a couple of months after discovering MMM), I started tracking our net worth with a very basic spreadsheet that includes everything except our home value. (Yes, we plan to downsize in the future and therefore I guess the equity is an asset... but I can't decide how to assign an accurate value to the house so I just leave it out.)
Two disclaimers:
a) We aren't super-high earners. Our combined income is $120k/yr.
b) My husband is still not on-board with MMM and I personally am not at all extreme about it, so we've only made very small changes to our lifestyle. We still eat out too much, still have a car payment on my car, and have way more house than we need. But we're maxing my 401(k) & HSA (well, we didn't this year because I started a new job mid-year, but since becoming eligible for both my withdrawals are set at an amount that ensures I'll max both next year), we're almost maxing my Roth, we cut cable for Netflix,s and we've looked for other small changes with minimal QOL impacts.
On July 1st, 2015, our total net worth was $107,045.... which, at a 4% SWR, would yield a monthly income of $357/mo. (Yes, I track that number, because it somehow seems more 'real' to me than the total balance.)
As of today (almost January 1st, 2016... I entered my preliminary numbers a few days early because I'm impatient!), our net worth is $142,805... or $476/mo!!
Up by almost $36k (33%) in just 6 months, even in a crappy market?! I realize that there are many people here who watch their accounts go up by far more than that, but I am psyched.
If we can do this with only half-assed badassity, imagine what we could accomplish if we ever really get serious?! And even if we just stay at the current state, it looks like my dreams of being able to cut back to PT work in a few years to spend more time with young kiddos (we have a 3 year old now and are trying for #2) are more feasible than I imagined.
So exciting to see such progress... and since I know my husband won't be too impressed, I had to share here!!