Race from 100 to 250k

[poetdereves]

7/1/2022   $104,281.96
8/1/2022   $130,183.28
9/1/2022   $127,931.79
10/1/2022   $128,898.99
11/1/2022   MISSED
12/1/2022   $141,418.82
1/1/2023   $121,714.98
2/1/2023   $142,417.22
3/1/2023   $134,691.79
4/1/2023   $142,945.07
5/1/2023   $149,890.62
6/1/2023   $162,561.19
7/1/2023  $174,911.20
8/1/2023  $187,499.33

9/1/2023 $192,180.06 (+$4680.73)

[TerrierTown]

01 Jun 2019 NW £44,112 - started MMM
17 Feb 2021 NW £86,418 (+£2,495)
16 Feb 2022 NW £110,250 (+ £3,061)
07 Apr 2022 NW £115,151 (+ £4,901)
20 May 2022 NW £114,875 (- £276)
27 Jun 2022 NW £115,682 (+£807)
17 Jul 2022 NW £118,831 (+ £3,149) - lots of sign up offers this month added a lot to net worth
16 Aug 2022 NW £122,949 (+ £4,118) - lots of sign up offers th07is month added a lot to net worth
25 Oct 2022 NW £126,121 (+ £3,172)
01 Dec 2022 NW £128,399 (+ £2,278)
01 Feb 2023 NW £125,445 (- £2,954) - wedding and visa applications costs
17 Feb 2023 NW £128,445 (+£3,000)
07 Sep 2023 NW £150,941 (+22,496) - Thanks mostly to £20K increase in property value.

[Avolonte]

12/31/18    $30,983
12/31/19    $32,929
12/31/20    $78,996
12/31/21    $135,973
12/31/22    $166,864
1/31/23    $187,531
2/28/23    $182,985
3/31/23    $192,219
4/30/23    $199,203
5/31/23    $207,673
6/30/23    $217,473
7/31/23    $228,522

8/31/23    $230,117 - Spendy month! Back at it.

[jnw]

As of this month I am now solvent.  i.e. if I were to liquidate all my investments (which are all currently short term fixed income), bank accounts, emergency fund & discretionary assets, I'd have enough to pay off my home.  i.e. currently the value  of my home + fixed assets is equal to my overall net worth.  It's a good feeling.  (This is taking into consideration 25% reduction in home value for any repairs, closing costs & realtor fees.)

I guess technically I am supposed to include value of home along with fixed assets as part of solvency? But to me it doesn't make sense to do so b/c I am never going to sell any of them.  I dunno maybe there is another term for where I am at now. Please feel free to educate me :) I could sell my discretionary assets and cash out all the bank accounts/investments, followed by paying off mortgage, and then be "debt free" -- that's where I am at.  But I'm making too much with the cash to pay off the home mortgage at the moment .. around 10-20% APR on average with bank/brokerage account bonuses.