Race from $1M to $2M

[tacticalteam4]

Retirement and investment accounts only

	2021	2022	2023	2024
January	$214,801	$368,240	$506,006	—
February	-	$415,650	$556,654	$840,669
March	$247,632	-	--	$883,024
April	$267,671	$432,042	--	$912,024
May	−	$418,269	$550,282	$902,373
June	$293,749	$420,576	$608,355	$931,992
July	−	$433,032	—	$994,767
August	−	$477,541	$659,953	$1,014,575
September	$311,131	$461,148	--	—
October	-	$478,809	$661,972	—
November	$339,986	$501,052	$681,707	—
December	$345,952	$521,479	$721,964	—

Happy to have graduated into this thread! Down to one income since baby was born 8 months ago, but still progressing.

[AFrugalGuy]

November 30, 2023: $1,265,857.28
December 31, 2023: $1,375,143.79 (+$177,313.28 or 14% from December 31, 2022)
January 31, 2024: $1,438,100.90 - first time cracking $1.4M!
February 29, 2024: $1,427,226.01
March 31, 2024: $1,451,464.67
April 30, 2024: $1,466,011.46
May 31, 2024: $1,447,917.73 ($15k+ increase in investments, but a decline in my DB pension's present value)
June 30, 2024: $1,468,763.53
July 31, 2024: $1,532,568.18 (increase in DB pension and increase in investment valuation) - first time cracking $1.5M!

[dandypandys]

Does this thread have a google spreadsheet? I enjoyed it in the last threads :)

[dreadmoose]

Hey dread,

Glad to see your still in it, and funny seeing more parallels in our lives since I first called you out in 2020 in this post: https://forum.mrmoneymustache.com/throw-down-the-gauntlet/race-from-500k-to-1m!/msg2676188/#msg2676188

We also have kids now (2) and instead of retiring bought an expensive house about a month ago and are remodeling it like millionaires as well (albeit pseudo-frugal deal hunting millionaires that do their own drywall work and plumbing).

Our savings rate has plummeted with childcare and the house project, but if we tightened the belt, finished the house project and took our kids out of daycare we could retire today.

Should be an interesting year at least.

I wonder if this is anyone else's normal or we're just wired (sp: weird?) the same way.

It's been hard to really fathom what I'll get up to when I turn the firehose off this year... so I'm delaying the end date kind of just out of comfort. It's a good time for me to figure out new hobbies and things to do as my kids age into self-play and I age out of trying to drink each weekend away.

I'm glad to see you stuck it through, and aren't completely smoking me yet. It's a tortoise vs tortoise race now but bring it.

[jda85]

   Net Worth
Jan '24   $995233.31
Feb '24   $1042393.45
Mar '24   $1052068.01
Apr '24   $1057418.91
May '24   $1057332.93
Jun '24   $1060837.13
Jul '24   $1132873.70
Aug '24   $1130530.88

1.13M NW. Onward.

[fuzzy math]

A few days late... recording as of Aug 1 (before the drop haha)

Investments only

	2018	2019	2020	2021	2022	2023	2024
January	-	$226,942	$401,746	$603,129	$905,792	$860,957	$1,139,972
February	-	$249,796	$414,430	$610,412	$867,164	$930,363	$1,201,046
March	-	$270,351	$412,631	$630,438	$856,028	$938,053	$1,287,113
April	-	$285,770	$393,815	$679,078	$900,389	$957,750	$1,340,771
May	-	$295,838	$414,524	$719,534	$837,895	$973,337	$1,329,973
June	$219,320	$283,393	$452,579	$737,483	$849,385	$968,752	$1,437,719
July	$228,483	$307,071	$471,455	$771,570	$798,307	$1,013,927	$1,501,155
August	$234,711	$315,942	$496,982	$784,835	$861,929	$1,059,239	$1,520,134
September	$245,993	$318,301	$529,603	$815,664	$837,259	$1,057,189	-
October	$251,023	$334,301	$525,945	$795,014	$780,500	$1,011,786	-
November	$238,881	$352,430	$528,082	$851,714	$844,902	$971,634	-
December	$244,687	$370,715	$585,310	$880,980	$899,305	$1,079,203	-

[clarkfan1979]

We went from zero (August 2011) to 1 million in 10 years (August 2021), while only making a combined 85K/year at our W-2. Part of the reason for the lower combined income is because my wife switched from full-time work (50 hours/week) to part-time (20 hours/week) in May 2015 and we welcomed our son in May 2017. 

We bought 4 primary homes and converted 3 of them into rentals. Now in August 2024, we are at 1.65 million, including our primary home (170K). It took 10 years for the first million, but looks like it will only take about 6 years for the second million.   

[soulpatchmike]

We went from zero (August 2011) to 1 million in 10 years (August 2021), while only making a combined 85K/year at our W-2. Part of the reason for the lower combined income is because my wife switched from full-time work (50 hours/week) to part-time (20 hours/week) in May 2015 and we welcomed our son in May 2017. 

We bought 4 primary homes and converted 3 of them into rentals. Now in August 2024, we are at 1.65 million, including our primary home (170K). It took 10 years for the first million, but looks like it will only take about 6 years for the second million.   

We are in a simliar position, but the journey was different.  Started out in April of 1999 at less than zero NW buying my first duplex while making less than $40k.  Then got married and my wife became a SAHM(now 5 kids) in 2002 while we made about $75k in that year.  Spent 6 years buying and selling rentals and rehab a couple ending up with 1 duplex and 2 SFR rentals when the recession happened(2008/2009) along with our primary home.  Briefly went negative NW in 2011/2012 due to upside down RE loans.  First made over $100k in 2016 and hit $1MM NW in Feb 2021.  Now at ~$1.5MM and trending from 1 to 2MM in about 6 years. 

We got here with a total of ~$8k earned income contributed to the down payment of that first duplex(all other down payments were sourced from "appreciation" equity pulls) and never contributing more than 8% to 401k and most of the time it has been 5% just to get the company match.  There are many ways to get here.  My first life rule is to keep everything as simple as possible. We could very likely be FIREd already if we had made other decisions but, we don't live with regrets.

Work your plan folks, it will be worth it!

[clarkfan1979]

We went from zero (August 2011) to 1 million in 10 years (August 2021), while only making a combined 85K/year at our W-2. Part of the reason for the lower combined income is because my wife switched from full-time work (50 hours/week) to part-time (20 hours/week) in May 2015 and we welcomed our son in May 2017. 

We bought 4 primary homes and converted 3 of them into rentals. Now in August 2024, we are at 1.65 million, including our primary home (170K). It took 10 years for the first million, but looks like it will only take about 6 years for the second million.   

We are in a simliar position, but the journey was different.  Started out in April of 1999 at less than zero NW buying my first duplex while making less than $40k.  Then got married and my wife became a SAHM(now 5 kids) in 2002 while we made about $75k in that year.  Spent 6 years buying and selling rentals and rehab a couple ending up with 1 duplex and 2 SFR rentals when the recession happened(2008/2009) along with our primary home.  Briefly went negative NW in 2011/2012 due to upside down RE loans.  First made over $100k in 2016 and hit $1MM NW in Feb 2021.  Now at ~$1.5MM and trending from 1 to 2MM in about 6 years. 

We got here with a total of ~$8k earned income contributed to the down payment of that first duplex(all other down payments were sourced from "appreciation" equity pulls) and never contributing more than 8% to 401k and most of the time it has been 5% just to get the company match.  There are many ways to get here.  My first life rule is to keep everything as simple as possible. We could very likely be FIREd already if we had made other decisions but, we don't live with regrets.

Work your plan folks, it will be worth it!

I think our journeys are similar. Thanks for sharing. I was most impressed with your initial 8K real estate investment and then bought more rentals with equity.

I have a similar story, but my initial investment was higher (50K). It was a 36K down payment + 4K in closing costs and 10K in rehab. My first place was a 4 bedroom/2 bath and rented out 3 rooms to cover the mortage. After that, I bought more rentals with either real estate cash flow or cash-out re-fi's.

Everyone's journey is different. However, you don't need a super high paying W-2 to acquire rentals. If you buy some fixers in the path of progress, you can use the appreciation to buy more rentals.

[soulpatchmike]

We went from zero (August 2011) to 1 million in 10 years (August 2021), while only making a combined 85K/year at our W-2. Part of the reason for the lower combined income is because my wife switched from full-time work (50 hours/week) to part-time (20 hours/week) in May 2015 and we welcomed our son in May 2017. 

We bought 4 primary homes and converted 3 of them into rentals. Now in August 2024, we are at 1.65 million, including our primary home (170K). It took 10 years for the first million, but looks like it will only take about 6 years for the second million.   

We are in a simliar position, but the journey was different.  Started out in April of 1999 at less than zero NW buying my first duplex while making less than $40k.  Then got married and my wife became a SAHM(now 5 kids) in 2002 while we made about $75k in that year.  Spent 6 years buying and selling rentals and rehab a couple ending up with 1 duplex and 2 SFR rentals when the recession happened(2008/2009) along with our primary home.  Briefly went negative NW in 2011/2012 due to upside down RE loans.  First made over $100k in 2016 and hit $1MM NW in Feb 2021.  Now at ~$1.5MM and trending from 1 to 2MM in about 6 years. 

We got here with a total of ~$8k earned income contributed to the down payment of that first duplex(all other down payments were sourced from "appreciation" equity pulls) and never contributing more than 8% to 401k and most of the time it has been 5% just to get the company match.  There are many ways to get here.  My first life rule is to keep everything as simple as possible. We could very likely be FIREd already if we had made other decisions but, we don't live with regrets.

Work your plan folks, it will be worth it!

I think our journeys are similar. Thanks for sharing. I was most impressed with your initial 8K real estate investment and then bought more rentals with equity.

I have a similar story, but my initial investment was higher (50K). It was a 36K down payment + 4K in closing costs and 10K in rehab. My first place was a 4 bedroom/2 bath and rented out 3 rooms to cover the mortage. After that, I bought more rentals with either real estate cash flow or cash-out re-fi's.

Everyone's journey is different. However, you don't need a super high paying W-2 to acquire rentals. If you buy some fixers in the path of progress, you can use the appreciation to buy more rentals.

I got extremely lucky on that first duplex.  It appraised for $165k at purchase and I paid 155k w/5% down and no closing cost loan(*always take the higher rate and no closing costs*) and lived in one side.  I purchased from an ad in the local suburban newspaper classifieds by owner(lucky I was in the right place at the right time).  The next appraisal in 2001 was $214k and I pulled out 10% down to buy a primary home, then in 2003 sold primary netting $40k and put all equity on 20% down on my still current primary home.  Pulled another 60k from the duplex that same year and did 100% heloc on my primary to buy more properties.  1999-2007 appreciation was rediculous and 2008-2012 was a tragic snapback that gave me shingles a couple times from the stress of our finances caving in on us.  Time healed those wounds(while never being negative cash flow) and now we are so far out of that place I don't see financial stress as a threat for us anymore.

Agreed on the low W-2 not being required for FI.  You are where you are today because of the choices you have made, as good or crappy as they are or were.

Success = Knowledge+Luck+Hard Work
The less you have of one, the more you need of the other two...

[Finwiz]

Below as of 8/19/24... some small progress...

01/01/21 - $400,149
03/31/21 - $458,005 (+$57,856)
06/30/21 - $517,109 (+$116,960)
09/30/21 - $563,939 (+$163,790)
12/31/21 - $603,373 (+$203,224)

01/16/22 - $601,346 (-$2,026)
03/31/22 - $646,383 (+$43,010)
06/30/22 - $638,810 (+$35,437)
10/17/22 - $672,896 (+$69,523)
12/31/22 - $736,945 (+$133,573)

01/15/23 - $758,371 (+$21,425)
03/31/23 - $842,402 (+$105,457)
07/15/23 - $957,667 (+$220,721)
10/16/23 - $988,762 (+$251,816)
11/07/23 - $1,005,005 (+$268,059)
12/31/23 - $1,102,511 (+$365,566)

01/31/24 - $1,117,437 (+$14,925)
02/16/24 - $1,149,646 (+$47,135)
02/29/24 - $1,212,796 (+$110,285)
03/31/24 - $1,256,463 (+$153,951)
05/17/24 - $1,300,982 (+$198,470)
06/17/24 - $1,325,962 (+$223,451)
06/30/24 - $1,339,025 (+$236,514)
07/15/24 - $1,370,200 (+$267,689)
08/19/24 - $1,384,133 (+$281,622)

[OurTown]

TNW in thousands (includes home equity)

April 2021 = $1,004
May 2021 = $1,070
June 2021 = $1,054
July 2021 = $1,070
August 2021 = $1,088
September 2021 = $1,104
October 2021 = $1,083
November 2021 = $1,116
December 2021 = $1,117

January 2022 = $1,140
February 2022 = $1,080
March 2022 = $1,110
April 2022 = $1,125
May 2022 = $1,080
June 2022 = $1,089
July 2022 = $1,045
August 2022 = $1,082
September 2022 = $1,068
October 2022 = $1,021
November 2022 = $1,051
December 2022 = $1,100

January 2023 = $1,089
February 2023 = $1,128
March 2023 = $1,123
April 2023 = $1,138
May 2023 = $1,155
June 2023 = $1,157
July 2023 = $1,182
August 2023 = $1,210
September 2023 = $1,200
October 2023 = $1,179
November 2023 = $1,165
December 2023 = $1,231

January 2024 = $1,293
February 2024 = $1,305
March 2024 = $1,327
April 2024 = $1,356
May 2024 = $1,332
June 2024 = $1,352
July 2024 = $1,377
August 2024 = $1,379
September 2024 = $1,410

[joemandadman189]

Hello All!

Throwing our hat in the ring here, i will work on a better format for the numbers next month

07/14/2018 - $179,957 (when we joined personal capital, Investments Only)
09/01/2018 - $188,534
01/01/2019 - $183,112
03/01/2019 - $214,755
07/01/2019 - $244,273
09/01/2019 - $251,684 - We did it!
01/01/2020 - $292,285
02/01/2020 - $295,390
02/20/2020 - $310,386
03/22/2020 - $217,801
05/01/2020 - $268,377
07/01/2020 - $301,867
10/01/2020 - $338,909
01/01/2021 - $396,844 (Only 401ks and HSA's)
02/01/2021 - $424,746 (Investments and Emergency Fund ~$20K)
03/01/2021 - $442,769 / $591,662 (Investments and Emergency Fund / Personal Capital Networth)
04/01/2021 - $461,404.23 / $609,137
05/01/2021 - $481,520 / $629,395
06/01/2021 - $491,935 / ~$650k
06/26/2021 - $504,398 / ~$657k - We did it! (or the Market did :)...)
07/02/2021 - $505,955 / ~$660K
08/03/2021 - $520,856 / $~679K
09/01/2021 - $540,398 / ~$757k (home value changed in Personal Capital increased total net worth)
10/01/2021 - $534,405 / ~$769k (We paid off the last student loan, now only have a mortgage)
11/01/2021 - $559,896 / ~$797k
12/01/2021 - $558,710 / ~$817K (Zillow thinks my house is worth a lot more than a few months ago)
12/31/2021 - $590,743 / ~$857K
02/01/2022 - $560,789 / ~$832K (including ~$1,750 in Cryptocurrency)
03/01/2022 - $551,465 / ~$863k (including ~$2,822 in Cryptocurrency) (house went up ~$36k in value according to Zillow)
04/01/2022 - $577,980 / ~$943k (including ~$4,041 in Cryptocurrency) (House went up again)
05/02/2022 - $533,454 / ~$905k (inc. ~$3517 in Crypto) (house went up again)
05/31/2022 - $538,475 / ~$899K (inc. ~$2647 in Crypto) (house went Down)
06/30/2022 - $491,145 / ~$836K (inc. ~$1,700 in crypto) (house value when down)
08/01/2022 - $534,790 /  ~$860k (incl. ~$2,490 in Crypto, House value went down)
09/02/2022 - $515,422 / ~$822K (incl. ~$2,375 in crypto, house is about same)
10/03/2022 - $476,437 / ~$767K (Incl. ~$2,180 in crypto, house value is down)
11/01/2022 - $513,433 / ~$803k (Incl. ~$2,260 in crypto)
12/01/2022 - $571,340 / ~$865k (incl. ~$2,190 in crypto)
01/05/2023 - $558,368 / ~$831k (incl. ~$2,278 in crypto) - i did a thing and our overall NW will go down next month
02/01/2023 - $599,198 / ~$835k (incl. ~$2,860 in crypto) - so close to $600k and a new all time high!
02/15/2023 - $606,500 (incl. ~$2,900 in crypto)`
03/01/2023 - $592,146 / $827k (including ~$2,940 in crypto) Zillow says house went up in value $6k which seems weird
04/02/2023 - $606,020 / $860k (including ~$3,675 in crypto) House went up ~$17k
05/02/2023 - $608,656 / $883 (including ~$3917 in crypto, house went up ~$8k per Zillow)
House Sale and House Purchase impacting numbers
****08/01/2023 - ~$711,600-~$32k = ~$680,000 (including ~$4,400 in crypto) - The new house and mortgage is not included in these numbers - REVISION - missed a balance transfer that wasn't accounted for in the new accounts
09/04/2023 - $679,448 / $803k (including ~$4,836 in crypto) - This is an accurate picture of where we ended up after our move - lost some home equity and gained some investment cash
10/03/2023 - $695,857 / $769k (including $5,117 in crypto)
11/02/2023 - $688,879 / $775k (including $6,590 in crypto)
12/01/2023 - $746,827 / $819K (including $8,156 in crypto)
01/01/2024 - $824,701 / $903k (including $10,393 in crypto)
01/31/2024 - $849,920 / $933k (including $10,006 in crypto)
02/29/2024 - $881,693 / $960K (Including $14,800 in crypto)
04/01/2024 - $924,834 / $1,044k (Including $17,671 in crypto)
05/01/2024 - $897,988 / $1,018k (Including $14,897 in crypto)
06/01/2024 - $940,946 / $1,062K (Including $18,137 in crypto)
07/01/2024 - $966,451 / $1,093K (Including $17,426 in crypto)
07/15/2024 - $1,001,761 - we did it!
08/01/2024 - $1,003,304 / $1,133,580 (Including $18,325 in crypto)
08/30/2024 - $1,017,283 / $1,149K (including $16,717 in crypto)

[afuera]

Investments Only (as of 8/30/24)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
January	$12,964	$53,694	$117,156	$286,460	$366,568	$554,279	$789,070	$1,023,691	$954,586	$1,202,797
February	$14,893	$57,320	$130,755	$284,267	$388,104	$530,928	$829,754	$1,000,887	$947,661	$1,243,768
March	$22,065	$71,035	$150,924	$291,192	$415,305	$575,079	$873,947	$1,035,654	$971,612	$1,308,642
April	$24,785	$75,120	$161,757	$306,848	$429,917	$529,397	$925,944	$962,250	$990,639	$1,287,815
May	$26,931	$87,541	$171,174	$317,739	$416,867	$573,991	$938,401	$935,331	$1,002,016	$1,324,305
June	$29,021	$90,964	$191,558	$321,370	$458,412	$607,523	$952,115	$875,560	$1,052,128	$1,364,169
July	$31,341	$93,025	$210,018	$339,122	$459,062	$630,288	$962,887	$965,972	$1,106,098	$1,388,308
August	$34,251	$95,245	$220,293	$353,410	$466,936	$686,631	$998,422	$912,288	$1,086,297	$1,407,630
September	$39,854	$97,814	$231,801	$361,506	$481,531	$669,786	$970,317	$837,917	$1,039,276	-
October	$42,018	$98,335	$242,954	$336,674	$499,757	$663,596	$1,023,332	$895,518	$1,006,297	-
November	$45,987	$100,344	$256,324	$356,143	$528,712	$743,883	$1,025,096	$918,718	$1,105,904	-
December	$49,877	$106,390	$265,731	$332,761	$548,679	$779,415	$1,062,376	$896,791	$1,174,920	-

I dabbled in a bit of market timing on 8/5 and maxed our other rIRA instead of waiting for my second three-paycheck month in November.  It felt good but matters very little in the grand scheme.

[mizzourah2006]

Investments Only
Jan. 1, 2016: $181.7k
Jan. 1, 2017: $249.5k
Jan. 1, 2018: $377.3k
Jan. 1, 2019: $499.2k
Jan. 1, 2020: $710.5k
Jan. 1, 2021: $1,055.8k
Jan. 1, 2022: $1,312.5k
Jan. 1, 2023: $1,349.9k
Jan. 1, 2024: $1,634.4k
April 1, 2024: $1,838.9k
May 1, 2024: 1,816.2k
June 1, 2024: 1,875.3k
August 1, 2024: 1,956k

Sept. 1, 2024: 2,022k

Obviously one market day away from moving back, but it looks like we've graduated. Celebrate tonight by grilling some steak and I might buy the watch I've been looking at for a while.

[afuera]

Sept. 1, 2024: 2,022k

Obviously one market day away from moving back, but it looks like we've graduated. Celebrate tonight by grilling some steak and I might buy the watch I've been looking at for a while.

Congratulations!!

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)	2024 ($)
January	-	496,255	674,413	898,547	902,687	1,180,214
February	-	472,573	700,728	880,646	903,228	1,254,552
March	-	444,067	732,652	901,213	928,990	1,290,713
April	-	495,051	762,029	848.393	982,455	1,268,968
May	-	524,063	759,955	843,438	990,932	1,312,895
June	-	524,530	796,116	789,251	1,032,315	1,346,093
July	330,406	552,296	826,664	856,647	1,070,543	1,381,045
August	437,870	632,115	866,404	848,320	1,080,553	1,383,528
September	443,081	617,959	827,075	813,668	1,033,191	-
October	452,295	604,646	873,651	865,508	1,045,192	-
November	483,711	664,577	898,767	905,357	1,118,401	-
December	484,963	674,843	925,511	860,954	1,140,987	-

[Dave1442397]

Investments Only
Jan. 1, 2016: $181.7k
Jan. 1, 2017: $249.5k
Jan. 1, 2018: $377.3k
Jan. 1, 2019: $499.2k
Jan. 1, 2020: $710.5k
Jan. 1, 2021: $1,055.8k
Jan. 1, 2022: $1,312.5k
Jan. 1, 2023: $1,349.9k
Jan. 1, 2024: $1,634.4k
April 1, 2024: $1,838.9k
May 1, 2024: 1,816.2k
June 1, 2024: 1,875.3k
August 1, 2024: 1,956k

Sept. 1, 2024: 2,022k

Obviously one market day away from moving back, but it looks like we've graduated. Celebrate tonight by grilling some steak and I might buy the watch I've been looking at for a while.

Congrats! Which watch are you looking at?

[mizzourah2006]

Investments Only
Jan. 1, 2016: $181.7k
Jan. 1, 2017: $249.5k
Jan. 1, 2018: $377.3k
Jan. 1, 2019: $499.2k
Jan. 1, 2020: $710.5k
Jan. 1, 2021: $1,055.8k
Jan. 1, 2022: $1,312.5k
Jan. 1, 2023: $1,349.9k
Jan. 1, 2024: $1,634.4k
April 1, 2024: $1,838.9k
May 1, 2024: 1,816.2k
June 1, 2024: 1,875.3k
August 1, 2024: 1,956k

Sept. 1, 2024: 2,022k

Obviously one market day away from moving back, but it looks like we've graduated. Celebrate tonight by grilling some steak and I might buy the watch I've been looking at for a while.

Congrats! Which watch are you looking at?

Nothing crazy, been wanting more of a dress watch lately and I've been really liking the Longines Master Collection Chrono with the moonphase and the date pointer. Of course I'd really love the Glashutte Original Panomaticlunar, but not sure I can rationalize that one.

[StarBright]

I dabbled in a bit of market timing on 8/5 and maxed our other rIRA instead of waiting for my second three-paycheck month in November.  It felt good but matters very little in the grand scheme.

August was my three paycheck month, so I did the same thing. It felt good in the moment, but doesn't really move the needle :) But it is fun on the day of.

[AFrugalGuy]

November 30, 2023: $1,265,857.28
December 31, 2023: $1,375,143.79 (+$177,313.28 or 14% from December 31, 2022)
January 31, 2024: $1,438,100.90 - first time cracking $1.4M!
February 29, 2024: $1,427,226.01
March 31, 2024: $1,451,464.67
April 30, 2024: $1,466,011.46
May 31, 2024: $1,447,917.73 ($15k+ increase in investments, but a decline in my DB pension's present value)
June 30, 2024: $1,468,763.53
July 31, 2024: $1,532,568.18 (increase in DB pension and increase in investment valuation) - first time cracking $1.5M!
August 31, 2024: $1,572,967.54 - first time cracking $2M in assets

[pasadenafr]

Invested assets, long term savings and debts:

12/31/14       $51,962
12/31/15       $92,762
12/31/16      $163,900
12/31/17      $251,415
12/31/18      $330,093 - new job, nice retention bonus from previous job
12/31/19      $519,878 - pension lump sum after leaving old job (rolled into 401k)
12/31/20      $714,958
12/31/21      $993,847 - reached $1M on 11/03 and then, well... yeah.
12/31/22      $855,784
12/31/23    $1,184,285 - reached $1M again on 05/18
---

01/31/24    $1,196,456
02/29/24    $1,249,619
03/31/24    $1,294,026 - maxed out 401(k) including the senior discount catch-up.
04/30/24    $1,266,485 - started Mega Backdoor
05/31/24    $1,336,432
06/30/24    $1,379,520
07/31/24    $1,421,430 - maxed out Mega Backdoor
08/31/24    $1,439,420


Meh. Still on track for my goal of $1.5M at the end of the year, and next month should be a good one for contributions.

[Imustacheyouaquestion]

Congrats @mizzourah2006!!

[Imustacheyouaquestion]

Month	2023	2024	2025
January	-	$1,075,000	-
February	-	$1,090,000	-
March	-	$1,124,000	-	-
April	-	$1,150,000	-
May	-	$1,135,000	-
June	-	$1,173,000	-
July	-	$1,196,000	-
August	-	$1,216,000	-
September	$1,000,003	$1,249,000	-
October	$990,000	-	-
November	$975,000	-	-
December	$1,034,700	-	-

[Dave1442397]

Investments Only
Jan. 1, 2016: $181.7k
Jan. 1, 2017: $249.5k
Jan. 1, 2018: $377.3k
Jan. 1, 2019: $499.2k
Jan. 1, 2020: $710.5k
Jan. 1, 2021: $1,055.8k
Jan. 1, 2022: $1,312.5k
Jan. 1, 2023: $1,349.9k
Jan. 1, 2024: $1,634.4k
April 1, 2024: $1,838.9k
May 1, 2024: 1,816.2k
June 1, 2024: 1,875.3k
August 1, 2024: 1,956k

Sept. 1, 2024: 2,022k

Obviously one market day away from moving back, but it looks like we've graduated. Celebrate tonight by grilling some steak and I might buy the watch I've been looking at for a while.

Congrats! Which watch are you looking at?

Nothing crazy, been wanting more of a dress watch lately and I've been really liking the Longines Master Collection Chrono with the moonphase and the date pointer. Of course I'd really love the Glashutte Original Panomaticlunar, but not sure I can rationalize that one.

Longines make a nice watch. GO is a brand that makes a great watch for the price, especially if you buy used. I had a GO Sport Evo Panodate for a few years. I bought it used and sold it for almost what I paid for it.

[dandypandys]

2017
Jan 1st: 252k
Dec 4th 322.5k   
2018
Jan 1st:316.5k  64.5k up for 2017
Dec 1st:370k
2019
Jan 1st: $357.5 (first year of maxing out retirement accounts!) UP: 41k for 2018 (markets hit)
Dec 1st $498.5   
2020
Jan 1st $533.5  We did it! How exciting :) UP 176k for 2019
Dec 29th: $624 UP 90.5k for 2020
2021
Mar 2nd: $665
Dec 31:  $843  UP 218,977 for 2021
2022
Feb 1st: $807
Dec 1:  $791.5
2023
Jan 3: 769.5  sold art DOWN 73,345 for 2022
Dec 3rd: 902.5  UP 150,727 for 2023

2024:
Jan 4: 920.5
Feb 5: 946
Mar :973
April 1: 997.5 WOW so close!!!!
Apri 30: 984
June 1: 1,026,700  I put house at 170k though Zillow says 204k  take it off the calculation soon, once we can be in the million club without it – so that's a fun little mini goal for us
Aug:1,050,000
Sept:1,080,000

[dandarc]

Date          TotalNW   Stache Only
Nov 12 2020 - 1.001M    0.953M
Jan 01 2021 - 1.061M    1.026M
Jan 01 2022 - 1.279M    1.246M
Jan 01 2023 - 1.066M    1.032M
Jan 01 2024 - 1.259M    1.221M
Feb 03 2024 - 1.269M    1.229M
Mar 01 2024 - 1.311M    1.261M
Apr 01 2024 - 1.358M    1.301M
May 01 2024 - 1.303M    1.251M
Jun 01 2024 - 1.346M    1.250M
Aug 31 2024 - 1.384M    1.358M

Stache Highwater mark: Aug 31 2024 - 1.384M Total, 1.358M Stache


Glad I took a minute to add up - new high-water mark on both the networth and the 'stache. Balance sheet now includes 2 houses (at last appraised value on each) and 2 mortgages - I really hope that we can get Florida house sold soon.

[hudsoncat]

	2018	2019	2020	2021	2022	2023	2024
January	$222,019	$261,809	$403,264	$550,326	$775,790	$707,881	$988,431
February	$236,831	$286,584	$414,417	$555,120	$740,206	$754,468	$1,005,722
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	$1,066,926
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	$1,116,852
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	$1,100,877
June	$249,398	$320,926	$417,280	$654,138	$719,842	$822,222	$1,133,352
July	$253,884	$342,700	$424,818	$671,808	$668,503	$875,635	$1,188,285
August	$264,666	$354,784	$456,512	$693,782	$732,736	$907,972	$1,221,357
September	$276,905	$351,842	$491,411	$718,331	$709,518	$898,165	$1,246,349
October	$285,986	$360,853	$482,214	$700,515	$662,362	$865,823	-
November	$267,359	$374,706	$475,471	$744,130	$698,468	$847,225	-
December	$281,461	$391,293	$531,137	$754,319	$745,704	$930,012	-

Spouse just accepted a new role with a nice bump in pay. We currently max his 401K and my 457B, but I also have a 403B that we contribute to. This might let us finally max that out too for 2025... I think we are going to use it to cash flow a few house improvements we've been discussing for the rest of this year... At minimum we will save the "extra" I have to down his 401K contribution to not max too early (and not capture the full match) though.

[Apples]

Hello!  Ready to join this thread.  My husband and I hit the 1M mark earlier this year.  We also have a 4 month old, which has kept me off of threads like this :)  We both work full time, own a farm, and have no RE plans, so nowadays just tracking the numbers as they go up.  Now with childcare and baby stuff we're not putting nearly as much into savings, the the NW changes will be investment-driven and the once-a-year paydown on farm loans.  But it's fun to go back and look at the numbers over time on these threads, so:

March 2024: $1,008,621.69   
April 2024:  $993,941.18   
May 2024:  $1,011,440.30   
June 2024:  $1,032,180.34   
July 2024:  $1,056,086.06

Haven't updated the August spreadsheet yet, so that'll be in the next time I show up here, probably in a few months.  It's harvest and we have a baby, not a lot of time to sit around writing fun little updates!

[JLee]

Code: [Select]

Year 2018 2019 2020 2021 2022 2023 2024

Jan $260,262.67 $260,498.17 $355,540.40 $508,468.68 $672,003.95     $640,193.26 $904,111.46
Feb $270,247.21 $282,677.81 $363,857.03 $509,567.53 $639,611.05     $671,819.16 $926,220.52
Mar $274,832.08 $303,458.44 $338,355.26 $520,884.63 $634,640.78     $662,686.54 $954,443.92
Apr $270,627.23 $303,218.72 $293,271.53 $541,068.08 $659,611.56     $682,101.41 $991,145.41
May $278,368.36 $317,168.51 $347,245.32 $587,538.85 $626,633.66     $773,878.01 $1,040,713.88
Jun $274,359.32 $305,266.44 $364,417.41 $593,402.81 $633,264.00     $782,511.38 $1,078,933.51
Jul $274,608.95 $304,929.19 $371,252.51 $606,481.86 $603,185.63     $831,335.87 $1,111,742.53
Aug $280,692.80 $305,590.57 $393,995.98 $614,890.13 $637,566.93     $848,549.63 $1,116,994.66
Sep $294,559.30 $306,102.25 $449,017.88 $623,073.11 $639,963.91     $845,678.87 $1,153,321.69
Oct $294,744.86 $305,808.36 $448,674.02 $618,758.32 $592,457.62     $822,805.13
Nov $268,666.52 $322,371.05 $447,910.61 $654,187.24 $631,130.76     $811,326.01
Dec $280,335.80 $352,576.02 $480,614.30 $633,311.29 $652,812.65     $859,161.72


[grantmeaname]

Year

Jan

Feb

Mar

|

Apr

May

Jun

|

Jul

Aug

Sep

|

Oct

Nov

Dec

2015

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$9k

-$6k

-$5k

2016

-$3k

-$2k

-$0k

|

$1k

$3k

$4k

|

$6k

$7k

$9k

|

$9k

$11k

$13k

2017

$15k

$16k

$18k

|

$20k

$22k

$24k

|

$26k

$27k

$30k

|

$32k

$35k

$36k

2018

$45k

$44k

$53k

|

$56k

$55k

$52k

|

$63k

$62k

$65k

|

$75k

$72k

$73k

2019

$80k

$100k

$104k

|

$108k

$119k

$126k

|

$127k

$130k

$133k

|

$141k

$153k

$163k

2020

$167k

$162k

$156k

|

$187k

$196k

$208k

|

$228k

$242k

$246k

|

$252k

$287k

$303k

2021

$316k

$365k

$377k

|

$403k

$414k

$428k

|

$444k

$460k

$461k

|

$485k

$485k

$516k

2022

$489k

$567k

$586k

|

$540k

$551k

$518k

|

$566k

$564k

$535k

|

$566k

$600k

$587k

2023

$612k

$640k

$660k

|

$679k

$712k

$748k

|

$793k

$795k

$791k

|

$783k

$817k

$873k

2024

$873k

$1.000M

$1.039M

|

$1.038M

$1.053M

$1.100M

|

$1.104M

$1.148M

-

|

-

-

-

[firelyve]

Let me clean this up a bit and keep engaged with my fellow MMMers.  I'll keep it to a few lines of initial commentary and only add if something drastic comes up.  Otherwise, just the fact ma'am.

Crossed $1MM LNW mark in January 2017, single at the time.  Married May 2017.  Initial goal to FIRE was $1MM.  Both semi-FIRE'd in 2020 (PT/mainly WFH; thanks for the push, COVID!) with about $1.4MM.  New goal of $2MM set.

$1.77MM LNW (self only) end of June 2024.  Need to clean up disaster of investment portfolio and reign spending back in.  7 1/2 years SEEMS way too long for $1MM to $2MM compared to market gains same time.  Probably want $2.4MM now to be set. Final answer.

$1.85MM LNW end July 2024
$1.88MM LNW end August 2024
$1.93MM LNW end Sept 2024

[turketron]

		2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Jan			141,251.00	$193,414.19	$283,829.36	$359,505.30	$546,089.75	$762,355.51	$1,008,596.87	$896,405.70	$1,174,870.51
Feb			$135,573.00	$200,758.63	$304,851.88	$397,087.41	$557,258.06	$780,137.13	$954,587.38	$956,408.33	$1,202,663.79
Mar			$138,331.39	$211,677.78	$303,796.17	$428,309.57	$522,077.78	$815,764.71	$949,999.72	$942,437.96	$1,254,741.17
Apr		$98k	$146,788.37	$217,643.71	$307,682.67	$440,342.71	$451,185.96	$829,307.88	$999,856.70	$978,864.73	$1,303,051.03
May		$111k	$149,149.52	$225,773.04	$315,634.59	$456,285.80	$510,875.92	$874,326.67	$928,584.50	$995,095.52	$1,252,253.13
Jun		$112k	$161,205.21	$232,222.09	$337,046.55	$441,047.77	$551,923.37	$878,873.50	$916,075.45	$998,436.27	$1,315,895.86
Jul		$113k	$165,947.80	$235,779.19	$340,399.63	$476,489.51	$567,485.67	$907,568.86	$840,059.88	$1,064,698.17	$1,360,362.09
Aug		$113k	$176,198.00	$244,461.55	$363,304.76	$486,559.27	$601,161.19	$923,408.92	$915,283.13	$1,106,018.02	$1,385,504.20
Sept		$116k	$178,840.37	$247,101.69	$385,572.12	$483,967.28	$653,037.25	$950,899.02	$891,457.82	$1,086,863.98	$1,418,438.10
Oct			$184,372.64	$256,365.91	$392,296.56	$490,200.54	$639,398.62	$907,416.93	$822,036.27	$1,043,259.18
Nov		$120,330.91	$181,625.28	$266,140.14	$370,000.25	$501,003.17	$637,260.06	$963,453.56	$886,527.53	$1,022,278.77
Dec		$138,810.56	$187,972.57	$279,806.93	$386,361.40	$531,904.82	$723,586.82	$964,037.88	$938,630.06	$1,112,472.28

[fuzzy math]

Investments only

	2018	2019	2020	2021	2022	2023	2024
January	-	$226,942	$401,746	$603,129	$905,792	$860,957	$1,139,972
February	-	$249,796	$414,430	$610,412	$867,164	$930,363	$1,201,046
March	-	$270,351	$412,631	$630,438	$856,028	$938,053	$1,287,113
April	-	$285,770	$393,815	$679,078	$900,389	$957,750	$1,340,771
May	-	$295,838	$414,524	$719,534	$837,895	$973,337	$1,329,973
June	$219,320	$283,393	$452,579	$737,483	$849,385	$968,752	$1,437,719
July	$228,483	$307,071	$471,455	$771,570	$798,307	$1,013,927	$1,501,155
August	$234,711	$315,942	$496,982	$784,835	$861,929	$1,059,239	$1,520,134
September	$245,993	$318,301	$529,603	$815,664	$837,259	$1,057,189	$1,559,409
October	$251,023	$334,301	$525,945	$795,014	$780,500	$1,011,786	-
November	$238,881	$352,430	$528,082	$851,714	$844,902	$971,634	-
December	$244,687	$370,715	$585,310	$880,980	$899,305	$1,079,203	-

[Finwiz]

Congrats @mizzourah2006 !!

Below as of 8/31/24... new high water mark for us (and first time breaking a 300k+ increase in a given year 8 month period, and a 1mm increase since we started focused tracking back in 2021). We're still hoping for 1.5 by EoY,with 50k left to go in terms of investments/savings...

01/01/21 - $400,149
03/31/21 - $458,005 (+$57,856)
06/30/21 - $517,109 (+$116,960)
09/30/21 - $563,939 (+$163,790)
12/31/21 - $603,373 (+$203,224)

01/16/22 - $601,346 (-$2,026)
03/31/22 - $646,383 (+$43,010)
06/30/22 - $638,810 (+$35,437)
10/17/22 - $672,896 (+$69,523)
12/31/22 - $736,945 (+$133,573)

01/15/23 - $758,371 (+$21,425)
03/31/23 - $842,402 (+$105,457)
07/15/23 - $957,667 (+$220,721)
10/16/23 - $988,762 (+$251,816)
11/07/23 - $1,005,005 (+$268,059)
12/31/23 - $1,102,511 (+$365,566)

01/31/24 - $1,117,437 (+$14,925)
02/16/24 - $1,149,646 (+$47,135)
02/29/24 - $1,212,796 (+$110,285)
03/31/24 - $1,256,463 (+$153,951)
05/17/24 - $1,300,982 (+$198,470)
06/17/24 - $1,325,962 (+$223,451)
06/30/24 - $1,339,025 (+$236,514)
07/15/24 - $1,370,200 (+$267,689)
08/19/24 - $1,384,133 (+$281,622)
08/31/24 - $1,414,736 (+$312,225)

[Jaayse]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021	2022	2023	2024
January	-	$232,213	$356,542	$500,087	$659,936	$861,393	$832,242	$1,060,161
February	-	$245,447	$383,348	$502,244	$662,250	$822,224	$819,073	$1,116,561
March	-	$242,789	$394,563	$475,671	$684,929	$808,813	$844,327	$1,157,657
April	$164,900	$246,140	$403,461	$429,092	$711,168	$833,824	$854,615	$1,127,352
May	-	$318,398	$421,194	$474,155	$744,322	$774,884	$870,515	$1,175,613
June	-	$328,870	$409,591	$500,241	$758,305	$781,422	$933,698	$1,212,040
July	$180,808	$342,159	$435,981	$516,358	$776,059	$726,973	$966,972	$1,237,693
August	$189,280	$354,936	$443,135	$544,475	$790,664	$786,353	$954,423	$1,268,047
September	$193,727	$366,727	$441,101	$579,806	$814,231	$723,159	$919,923	-
October	$209,968	$374,465	$452,232	$568,885	$794,659	$758,212	$905,160	-
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	-
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	-

[drumstache]

DATE      INVESTMENTS + EF
Dec 2010      $137,800   
Dec 2011      $145,000   
Dec 2012      $179,000   
Dec 2013      $199,543   
Dec 2014      $221,787   
Jan 2015      $247,945   
May 2015      $279,652   
May 2016      $328,980   
Jul 2017      $417,772   *Discovered MMM
Aug 2018      $491,708   
Jul 2019      $617,447   
Jul 2020      $727,000   
Jul 2021      $935,000   
Jul 2022      $877,000   
Jan 2023      $930,091
Jul 2023      $971,263   
Oct 2023      $992,000   
Nov 2023      $1,032,057
Dec 2023      $1,078,425 
Jan 2024      $1,110,511  ($1,320,511 TNW)
Feb 2024      $1,137,614  ($1,347,614 TNW)
Mar 2024      $1,167,962  ($1,377,962 TNW)
Apr 2024      $1,192,878  ($1,402,878 TNW)
May 2024      $1,181,258  ($1,391,258 TNW)
Jun 2024      $1,211,706  ($1,421,706 TNW)
Jul 2024      $1,236,314  ($1,446,000 TNW)
Aug 2024      $1,253,069  ($1,463,000 TNW)
Sep 2024      $1,270,000  ($1,480,000 TNW)

[rebel_quietude]

2020         $1,019,917
APR 2021  $1,100, 966
AUG 2021 $1,200,662
JUN 2023 $1,303,602
DEC 2023 $1,405,881
FEB 2024 - $1,507,378

So, I think I missed a round number in the chaos of diverting brokerage funds to home equity.

Current status:
Liquid: $1,592,833 
Equity:  $111,324

TNW SEP 2024 - $1,704,157

I'm still trying to decide if I'm just going to track liquid here, or include equity. Equity feels so wishy-washy; trying to figure out real value is a pain and has a completely different rhythm for growth compared to stocks (at least, in my head).

Maybe in a few years when I'm renting the place, rather than living here. I'll probably transition to only tracking liquid for this race at the end of the year when the drop doesn't feel so painful. We'll see.

Either way, I'm definitely going to miss the idealized "four years, $1-$2mil timeline," that I originally hoped for. I'm blaming the pandemic.

[WesternAugust]

05/01/14 Cash & Investments: $135,000
02/21/21 Cash & Investments: $855,000
07/23/21 Cash & Investments: $1,010,510
09/02/21 Cash & Investments: $1,056,104
11/03/21 Cash & Investments: $1,097,920
01/03/22 Cash & Investments: $1,130,791
09/25/22 Cash & Investments: $970,496
11/04/22 Cash & Investments. $1,002,769
02/01/23 Cash & Investments: $1,109,044
04/20/23 Cash & Investments: $1,139,393
06/02/23 Cash & Investments: $1,175,438
06/14/23 Cash & Investments: $1,200,739
07/28/23 Cash & Investments: $1,253,933
11/15/23 Cash & Investments: $1,260,711
12/11/23 Cash & Investments: $1,301,887
12/28/23 Cash & Investments: $1,367,990
02/02/24 Cash & Investments: $1,400,428
03/01/24 Cash & Investments: $1,452,506
03/31/24 Cash & Investments: $1,495,773
05/10/24 Cash & Investments: $1,510,714
07/12/24 Cash & Investments: $1,609,593
09/23/24 Cash & Investments: $1,670,701

[JLee]

Code: [Select]

Year 2018 2019 2020 2021 2022 2023 2024

Jan $260,262.67 $260,498.17 $355,540.40 $508,468.68 $672,003.95     $640,193.26 $904,111.46
Feb $270,247.21 $282,677.81 $363,857.03 $509,567.53 $639,611.05     $671,819.16 $926,220.52
Mar $274,832.08 $303,458.44 $338,355.26 $520,884.63 $634,640.78     $662,686.54 $954,443.92
Apr $270,627.23 $303,218.72 $293,271.53 $541,068.08 $659,611.56     $682,101.41 $991,145.41
May $278,368.36 $317,168.51 $347,245.32 $587,538.85 $626,633.66     $773,878.01 $1,040,713.88
Jun $274,359.32 $305,266.44 $364,417.41 $593,402.81 $633,264.00     $782,511.38 $1,078,933.51
Jul $274,608.95 $304,929.19 $371,252.51 $606,481.86 $603,185.63     $831,335.87 $1,111,742.53
Aug $280,692.80 $305,590.57 $393,995.98 $614,890.13 $637,566.93     $848,549.63 $1,116,994.66
Sep $294,559.30 $306,102.25 $449,017.88 $623,073.11 $639,963.91     $845,678.87 $1,153,321.69
Oct $294,744.86 $305,808.36 $448,674.02 $618,758.32 $592,457.62     $822,805.13 $1,179,666.91
Nov $268,666.52 $322,371.05 $447,910.61 $654,187.24 $631,130.76     $811,326.01
Dec $280,335.80 $352,576.02 $480,614.30 $633,311.29 $652,812.65     $859,161.72

Plodding along

[OurTown]

TNW in thousands (includes home equity)

April 2021 = $1,004
May 2021 = $1,070
June 2021 = $1,054
July 2021 = $1,070
August 2021 = $1,088
September 2021 = $1,104
October 2021 = $1,083
November 2021 = $1,116
December 2021 = $1,117

January 2022 = $1,140
February 2022 = $1,080
March 2022 = $1,110
April 2022 = $1,125
May 2022 = $1,080
June 2022 = $1,089
July 2022 = $1,045
August 2022 = $1,082
September 2022 = $1,068
October 2022 = $1,021
November 2022 = $1,051
December 2022 = $1,100

January 2023 = $1,089
February 2023 = $1,128
March 2023 = $1,123
April 2023 = $1,138
May 2023 = $1,155
June 2023 = $1,157
July 2023 = $1,182
August 2023 = $1,210
September 2023 = $1,200
October 2023 = $1,179
November 2023 = $1,165
December 2023 = $1,231

January 2024 = $1,293
February 2024 = $1,305
March 2024 = $1,327
April 2024 = $1,356
May 2024 = $1,332
June 2024 = $1,352
July 2024 = $1,377
August 2024 = $1,379
September 2024 = $1,410
October 2024 = $1,429

[dandypandys]

2017
Jan 1st: 252k
Dec 4th 322.5k   
2018
Jan 1st:316.5k  64.5k up for 2017
Dec 1st:370k
2019
Jan 1st: $357.5 (first year of maxing out retirement accounts!) UP: 41k for 2018 (markets hit)
Dec 1st $498.5   
2020
Jan 1st $533.5  We did it! How exciting :) UP 176k for 2019
Dec 29th: $624 UP 90.5k for 2020
2021
Mar 2nd: $665
Dec 31:  $843  UP 218,977 for 2021
2022
Feb 1st: $807
Dec 1:  $791.5
2023
Jan 3: 769.5  DOWN 73,345 for 2022
Dec 3rd: 902.5  UP 150,727 for 2023

2024:
Jan 4: 920.5
Feb 5: 946
Mar :973
April 1: 997.5 WOW so close!!!!
Apri 30: 984
June 1: 1,026,700  I put house at 170k & will take it off the calculation soon, once we can be in the million club without it – so that's a fun little mini goal for us
Aug:1,050,000
Sept:1,080,000
Sept 30: 1,102,500

[joemandadman189]

Hello All!

Throwing our hat in the ring here, i will work on a better format for the numbers next month

07/14/2018 - $179,957 (when we joined personal capital, Investments Only)
09/01/2018 - $188,534
01/01/2019 - $183,112
03/01/2019 - $214,755
07/01/2019 - $244,273
09/01/2019 - $251,684 - We did it!
01/01/2020 - $292,285
02/01/2020 - $295,390
02/20/2020 - $310,386
03/22/2020 - $217,801
05/01/2020 - $268,377
07/01/2020 - $301,867
10/01/2020 - $338,909
01/01/2021 - $396,844 (Only 401ks and HSA's)
02/01/2021 - $424,746 (Investments and Emergency Fund ~$20K)
03/01/2021 - $442,769 / $591,662 (Investments and Emergency Fund / Personal Capital Networth)
04/01/2021 - $461,404.23 / $609,137
05/01/2021 - $481,520 / $629,395
06/01/2021 - $491,935 / ~$650k
06/26/2021 - $504,398 / ~$657k - We did it! (or the Market did :)...)
07/02/2021 - $505,955 / ~$660K
08/03/2021 - $520,856 / $~679K
09/01/2021 - $540,398 / ~$757k (home value changed in Personal Capital increased total net worth)
10/01/2021 - $534,405 / ~$769k (We paid off the last student loan, now only have a mortgage)
11/01/2021 - $559,896 / ~$797k
12/01/2021 - $558,710 / ~$817K (Zillow thinks my house is worth a lot more than a few months ago)
12/31/2021 - $590,743 / ~$857K
02/01/2022 - $560,789 / ~$832K (including ~$1,750 in Cryptocurrency)
03/01/2022 - $551,465 / ~$863k (including ~$2,822 in Cryptocurrency) (house went up ~$36k in value according to Zillow)
04/01/2022 - $577,980 / ~$943k (including ~$4,041 in Cryptocurrency) (House went up again)
05/02/2022 - $533,454 / ~$905k (inc. ~$3517 in Crypto) (house went up again)
05/31/2022 - $538,475 / ~$899K (inc. ~$2647 in Crypto) (house went Down)
06/30/2022 - $491,145 / ~$836K (inc. ~$1,700 in crypto) (house value when down)
08/01/2022 - $534,790 /  ~$860k (incl. ~$2,490 in Crypto, House value went down)
09/02/2022 - $515,422 / ~$822K (incl. ~$2,375 in crypto, house is about same)
10/03/2022 - $476,437 / ~$767K (Incl. ~$2,180 in crypto, house value is down)
11/01/2022 - $513,433 / ~$803k (Incl. ~$2,260 in crypto)
12/01/2022 - $571,340 / ~$865k (incl. ~$2,190 in crypto)
01/05/2023 - $558,368 / ~$831k (incl. ~$2,278 in crypto) - i did a thing and our overall NW will go down next month
02/01/2023 - $599,198 / ~$835k (incl. ~$2,860 in crypto) - so close to $600k and a new all time high!
02/15/2023 - $606,500 (incl. ~$2,900 in crypto)`
03/01/2023 - $592,146 / $827k (including ~$2,940 in crypto) Zillow says house went up in value $6k which seems weird
04/02/2023 - $606,020 / $860k (including ~$3,675 in crypto) House went up ~$17k
05/02/2023 - $608,656 / $883 (including ~$3917 in crypto, house went up ~$8k per Zillow)
House Sale and House Purchase impacting numbers
****08/01/2023 - ~$711,600-~$32k = ~$680,000 (including ~$4,400 in crypto) - The new house and mortgage is not included in these numbers - REVISION - missed a balance transfer that wasn't accounted for in the new accounts
09/04/2023 - $679,448 / $803k (including ~$4,836 in crypto) - This is an accurate picture of where we ended up after our move - lost some home equity and gained some investment cash
10/03/2023 - $695,857 / $769k (including $5,117 in crypto)
11/02/2023 - $688,879 / $775k (including $6,590 in crypto)
12/01/2023 - $746,827 / $819K (including $8,156 in crypto)
01/01/2024 - $824,701 / $903k (including $10,393 in crypto)
01/31/2024 - $849,920 / $933k (including $10,006 in crypto)
02/29/2024 - $881,693 / $960K (Including $14,800 in crypto)
04/01/2024 - $924,834 / $1,044k (Including $17,671 in crypto)
05/01/2024 - $897,988 / $1,018k (Including $14,897 in crypto)
06/01/2024 - $940,946 / $1,062K (Including $18,137 in crypto)
07/01/2024 - $966,451 / $1,093K (Including $17,426 in crypto)
07/15/2024 - $1,001,761 - we did it!
08/01/2024 - $1,003,304 / $1,133,580 (Including $18,325 in crypto)
08/30/2024 - $1,017,283 / $1,149K (including $16,717 in crypto)

Condensed Version
07/14/2018 - $179,957 (when we joined personal capital, Investments Only)
09/01/2019 - $251,684 - We did it!
06/26/2021 - $504,398 / ~$657k (Investments and Emergency Fund / Personal Capital Net Worth)
07/15/2024 - $1,001,761 - we did it!
08/01/2024 - $1,003,304 / $1,133,580 (Including $18,325 in crypto)
08/30/2024 - $1,017,283 / $1,149K (including $16,717 in crypto)
09/30/2024 - $1,052,242 / $1,185K (including $19,123 in crypto)

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)	2024 ($)
January	-	496,255	674,413	898,547	902,687	1,180,214
February	-	472,573	700,728	880,646	903,228	1,254,552
March	-	444,067	732,652	901,213	928,990	1,290,713
April	-	495,051	762,029	848.393	982,455	1,268,968
May	-	524,063	759,955	843,438	990,932	1,312,895
June	-	524,530	796,116	789,251	1,032,315	1,346,093
July	330,406	552,296	826,664	856,647	1,070,543	1,381,045
August	437,870	632,115	866,404	848,320	1,080,553	1,383,528
September	443,081	617,959	827,075	813,668	1,033,191	1,414,017
October	452,295	604,646	873,651	865,508	1,045,192	-
November	483,711	664,577	898,767	905,357	1,118,401	-
December	484,963	674,843	925,511	860,954	1,140,987	-

[hudsoncat]

	2018	2019	2020	2021	2022	2023	2024
January	$222,019	$261,809	$403,264	$550,326	$775,790	$707,881	$988,431
February	$236,831	$286,584	$414,417	$555,120	$740,206	$754,468	$1,005,722
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	$1,066,926
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	$1,116,852
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	$1,100,877
June	$249,398	$320,926	$417,280	$654,138	$719,842	$822,222	$1,133,352
July	$253,884	$342,700	$424,818	$671,808	$668,503	$875,635	$1,188,285
August	$264,666	$354,784	$456,512	$693,782	$732,736	$907,972	$1,221,357
September	$276,905	$351,842	$491,411	$718,331	$709,518	$898,165	$1,246,349
October	$285,986	$360,853	$482,214	$700,515	$662,362	$865,823	$1,272,226
November	$267,359	$374,706	$475,471	$744,130	$698,468	$847,225	-
December	$281,461	$391,293	$531,137	$754,319	$745,704	$930,012	-

[McStache]

EOY Numbers:
2015       $101,290
2016       $179,734
2017       $287,829
2018       $317,638
2019       $441,666
2020       $575,310
2021       $774,895
2022       $696,612
2023       $916,701
---

Trailing 4 quarters:
Q4 2023    $916,701
Q1 2024  $1,007,541
Q2 2024  $1,051,933
Q3 2024  $1,091,128

[grantmeaname]

Year

Jan

Feb

Mar

|

Apr

May

Jun

|

Jul

Aug

Sep

|

Oct

Nov

Dec

2015

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$10k

-$10k

-$10k

|

-$9k

-$6k

-$5k

2016

-$3k

-$2k

-$0k

|

$1k

$3k

$4k

|

$6k

$7k

$9k

|

$9k

$11k

$13k

2017

$15k

$16k

$18k

|

$20k

$22k

$24k

|

$26k

$27k

$30k

|

$32k

$35k

$36k

2018

$45k

$44k

$53k

|

$56k

$55k

$52k

|

$63k

$62k

$65k

|

$75k

$72k

$73k

2019

$80k

$100k

$104k

|

$108k

$119k

$126k

|

$127k

$130k

$133k

|

$141k

$153k

$163k

2020

$167k

$162k

$156k

|

$187k

$196k

$208k

|

$228k

$242k

$246k

|

$252k

$287k

$303k

2021

$316k

$365k

$377k

|

$403k

$414k

$428k

|

$444k

$460k

$461k

|

$485k

$485k

$516k

2022

$489k

$567k

$586k

|

$540k

$551k

$518k

|

$566k

$564k

$535k

|

$566k

$600k

$587k

2023

$612k

$640k

$660k

|

$679k

$712k

$748k

|

$793k

$795k

$791k

|

$783k

$817k

$873k

2024

$873k

$1.000M

$1.039M

|

$1.038M

$1.053M

$1.100M

|

$1.104M

$1.148M

$1.163M

|

-

-

-

[nick663]

June 2017:  198.7k
September 2017:  222.1k
December 2017:  242.4k

March 2018:  263.3k
June 2018:  290.4k
September 2018:  313.7k
December 2018:  296.8k

March 2019:  346.3k
June 2019:  372.4k
September 2019: 390.4k
December 2019:  428.6k

March 2020:  371.1k
June 2020:  456.2k
September 2020:  505.5k
December 2020:  590.1k

March 2021:  644.3k
June 2021:  701.1k
September 2021:  725.9k
December 2021:  788.5k

March 2022:  782.2k
June 2022:  673.5k
September 2022:  665.9k
December 2022:  720.6k

March 2023:  794.9k
June 2023:  874.7k
September 2023: 869.6k
December 2023:  977.1k

March 2024:  1.094m
June 2024:  1.139m
September 2024:  1.208m

[Jaayse]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021	2022	2023	2024
January	-	$232,213	$356,542	$500,087	$659,936	$861,393	$832,242	$1,060,161
February	-	$245,447	$383,348	$502,244	$662,250	$822,224	$819,073	$1,116,561
March	-	$242,789	$394,563	$475,671	$684,929	$808,813	$844,327	$1,157,657
April	$164,900	$246,140	$403,461	$429,092	$711,168	$833,824	$854,615	$1,127,352
May	-	$318,398	$421,194	$474,155	$744,322	$774,884	$870,515	$1,175,613
June	-	$328,870	$409,591	$500,241	$758,305	$781,422	$933,698	$1,212,040
July	$180,808	$342,159	$435,981	$516,358	$776,059	$726,973	$966,972	$1,237,693
August	$189,280	$354,936	$443,135	$544,475	$790,664	$786,353	$954,423	$1,268,047
September	$193,727	$366,727	$441,101	$579,806	$814,231	$723,159	$919,923	$1,297,457
October	$209,968	$374,465	$452,232	$568,885	$794,659	$758,212	$905,160	-
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	-
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	-

I feel like my FIRE number has gone up over the past few years with inflation, so although I originally thought 1.25M would be enough, I find myself thinking I need to have enough to buy a house eventually (been renting for a long time due to frequent moves) and that it may be difficult to buy once I FIRE without income to show.  Currently of my 1.3M I only have access to 870k because around 430k of it is in TSP/IRAs.  The past 3 years I have been putting money in a ROTH IRA because my income is too high to deduct a traditional IRA, so I suppose in 2 more years I would start to have access to the principle I put into that account as well.  I'm almost 38, so a little over 21 years until I could access the rest of it. 

I'm at 12 years into my military career, and uncertain that I will finish out 8 more years.  If I do stop before then, I would still get the VA disability pay, which given my current medical status, would likely be anywhere from $170 to $580 per month tax free.  (I know I have at least 1 definite 10% condition and maybe up to 30% between everything).  I've been passed over for promotion, so I could just stop trying hard and wait out 2.5 more years until they could involuntarily separate me and pay me almost 200k and 6 months of healthcare, or I could ramp up on the job, angle for command (I just slated, which allows me to apply) and try to make rank.  I'll admit, relaxing and riding into the sunset at 14.5 years doesn't sound so bad, with 2 more years of salary and gains (or possibly losses if there is a recession) and then a chunk of 200k at the end of it doesn't sound so bad.  I could always join the reserves for the remaining 5.5 years and get a reserve retirement, although it would require me to wait for them to recoup the separation pay before I could receive either VA disability or reserve retirement, and reserve retirement doesn't start until 60.  On the bright side, my cardiologist told me that I would live to be 120 because I have an unusually low heartrate with no negative issues from it (drops to the 30s sometimes when I sleep, practically sleeping in stasis).  Hopefully I didn't bore anyone with my rambling, been thinking more about getting out recently and maybe starting a family on my own.

[UnleashHell]

Nov-17 - 300k

May-18  - 375k
July -18 - 400k
Dec-18 - 345K - liquid 404

annual net +45k (+15%) liquid  ?

Mar-19 - 415K
Jun-19 nw 444K - liquid -514K
Sep-19 nw 450K liquid 527K
dec-19 nw  490k liquid 575k 

annual net +145k (+42%) liquid  +171k (+42%)

mar-20 nw 374 liquid 455
Jun-20 nw 468 liquid 541
Sep-20 nw 612 liquid 573
Dec-20 nw  737 liquid 679

annual net +247k (+50%) liquid  +104k (+18%)

Mar-21 nw 848 liquid 761
jun-21 nw 943 liquid 821
Sep-21 nw 1,009 liquid 818
Dec-21 nw 1,066 liquid 863

annual net +329k (+45%) liquid  +184k (+27%)

Mar-22 nw 1,058 liquid 817
June-22nw 962  liquid 672
Sep-22 nw 964 liquid 684
Dec-22 nw 970 liquid 671

annual net -96k (-9%) liquid  -192k (-22%)

Jan-23 nw 991 liquid 719
Jun-23 nw 916 liquid 801
Jul-23 nw 957 liquid  834
dec-23 nw 940 liquid 814

annual net -30k (-3%) liquid  143k (21%)

Mar-24 nw 975 liquid 848
Jun-24 nw 972 liquid 833
Sep-24 nw 1,018 liquid 888

nice to finally be back officially!