Race from $1M to $2M

[TheAnonOne]

Are you going to change your name to ThreeCommas when you hit $1B?

Asking the important questions.

[TwoCommas]

Are you going to change your name to ThreeCommas when you hit $1B?

haha most definitely!

When I originally created this one, it seemed aspirational at the time...maybe I didn't set the target high enough.

[fuzzy math]

Infinite commas!

[Dr Kidstache]

Howdy! Been dawdling in the 500k to $1mil thread with my bougie lifestyle but definitely time to move up to this thread. I originally hit $1mil invested in Sept 2021 but then bought a house in my crazy expensive resort town (gawd, I wish long-term renting was a sustainable option here) and spent a few years building back up investments.

Nov 2015:  Crossed 0k TNW threshold
Apr 2017:  Crossed 250k TNW threshold
Apr 2019:  Crossed 500k TNW threshold
Sept 2021: Crossed $1mil invested 1st time
Dec 2024: TNW $1.53 mil  /  Investments $1,014,909  --> crossed $1mil invested for realz this time

[Finwiz]

Continuing to chug along.

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)
09/31/24 - $1,446,094 (+$343,583)
10/17/24 - $1,459,033 (+$356,522)
11/01/24 - $1,453,129 (+$350,618)
11/09/24 - $1,500,239 (+$397,728)
12/05/24 - $1,523,869 (+$421,357)

[tacticalteam4]

Investments only. Maybe too conservative of an AA. Most of this year’s gain has been saved income. Still, never imagined crossing $1 million in 2024!

	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	$1,076,487
November	$339,986	$501,052	$681,707	$1,081,365
December	$345,952	$521,479	$721,964	$1,152,508

[Apples]

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
August:  $1,078,295.67
September:  $1,091,255.49

October:  $1,088,821.21
November:  $1,119,020.43

[alex2918]

          Real LNW   TNW
               Est
Dec-1997   0   10   10
Dec-2005   30   9   39
Dec-2010   30   89   119
Dec-2014   110   150   275
Dec-2015   145   180   325
Dec-2017   145   310   455
Dec-2020   352   547   899
Dec-2021   467   745   1108
Dec-2022   709   504   1213
Dec-2023   788   703   1491
Dec-2024   895   868   1763

A good year over all. Hoping to move to  '..and beyond group ' :)  by next year
         
         

[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	$1,289,244
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	$1,367,445
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	-

[jmutt]

DEC 2024 NW 1.59M
JAN 2024 NW: 1.4M
DEC 2022 NW: 1.2M
DEC 2021 NW: 1.30M
DEC 2020 NW: 1.11M
SEP 2020  NW: 1.0M
DEC 2019 NW: 933k
DEC 2018 NW: 737K
DEC 2017 NW: 697k
DEC 2016 NW: 559k
DEC 2015 NW: 444k
DEC 2014 NW: 385k
DEC 2013 NW: 337k
DEC 2012 NW: 253k
DEC 2011 NW: 209K
DEC 2010 NW: 184k

[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
November 2024 = $1,427
December 2024 = $1,451

January 2025 = $1,450

[JupiterGreen]

Way to go everyone! Keep at it, the process works. Happy New Year!

edit: accounting error

[joemandadman189]

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)
11/01/2024 - $1,053,266 / $1.19M (including $21,455 in crypto)
12/01/2024 - $1,166,002 / $1.30M (including $31,258 in crypto)
12/31/2025 - $1,157,737 / $1.32M (including $31,695 in crypto) - Markets were down a bit and we paid off my truck loan (~$27k) accounting for some of the drop

[afuera]

Investments Only (as of 12/31/24)

	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	$1,449,968
October	$42,018	$98,335	$242,954	$336,674	$499,757	$663,596	$1,023,332	$895,518	$1,006,297	$1,438,668
November	$45,987	$100,344	$256,324	$356,143	$528,712	$743,883	$1,025,096	$918,718	$1,105,904	$1,529,157
December	$49,877	$106,390	$265,731	$332,761	$548,679	$779,415	$1,062,376	$896,791	$1,174,920	$1,493,490

Ending the year with a stash just short of $1.5M. An extra $7K to put me over would have been nice but I can't really complain about it.  Happy New Year y'all!

[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

|

$1.184M

$1.248M

$1.241M

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)	2024 ($)	2025 ($)
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	1,456,834	-
November	483,711	664,577	898,767	905,357	1,118,401	1,536,553	-
December	484,963	674,843	925,511	860,954	1,140,987	1,534,207	-

Last month of work for a while

Down ~$35K from our high water mark achieved a week ago; however, I certainly won't complain about the year. With the exception of a small amount that went into rrsp's early in Q1, we haven't made any contributions (we took ~$12K out of rrsp mid-year). Will draw down a chunk in 2025 as we've decided to extend our sabbatical for another 8 months or so. :)

[Imustacheyouaquestion]

Month	2023	2024	2025
January	-	$1,075,000	$1,323,000
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	$1,307,000	-
November	$975,000	$1,299,999	-
December	$1,034,700	$1,341,400	-

[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
September 30, 2024: $1,607,176.78 - first time cracking $1.6M!
October 31, 2024: $1,630,040.53
November 30, 2024: $1,656,340.87
December 31, 2024: $1,685,353.10 (+$308,556.66 or 22.4% from December 31, 2023)

[2Birds1Stone]

01/01/2022 - $1,025,500
02/01/2022 - $1,056,900
03/01/2022 - $1,053,800
04/01/2022 - $1,113,000
05/01/2022 - $1,155,000
06/01/2022 - $1,204,900
07/01/2022 - $1,160,100
08/01/2022 - $1,218,800
09/01/2022 - $1,209,600
10/01/2022 - $1,189,600
11/01/2022 - $1,267,000
12/01/2022 - $1,325,000
01/01/2023 - $1,315,100
02/01/2023 - $1,380,000
03/01/2023 - $1,405,000
04/01/2023 - $1,440,000
05/01/2023 - $1,481,000
06/01/2023 - $1,505,300 - Officially FIRE'd
07/01/2023 - $1,565,500
08/01/2023 - $1,604,500
09/01/2023 - $1,582,200
10/01/2023 - $1,538,400
11/01/2023 - $1,513,300
12/01/2023 - $1,588,700
01/01/2024 - $1,646,500
02/01/2024 - $1,646,600
03/01/2024 - $1,697,800
04/01/2024 - $1,741,000
05/01/2024 - $1,695,900
06/01/2024 - $1,745,300
07/01/2024 - $1,761,300
08/01/2024 - $1,800,000
09/01/2024 - $1,815,000
10/01/2024 - $1,839,000
11/01/2024 - $1,830,700
12/01/2024 - $1.900,200
01/01/2025 - $1,852,000

What goes up, must go down?

[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
December 2024:  1.259m

[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
Dec-24 nw 1,101 liquid 967

annual net  +161k (+17%)  liquid +153k (+19%)

[Ladychips]

12/17 - $473,407     $697,411
12/18 - $480,550     $732,108
12/19 - $669,819     $943,739
12/20 - $868,659     $1,159,159
12/21 - $1,097,677  $1,494,954
12/22 - $889,747     $1,473,525
12/23 - $1,082,881  $1,630,610

12/24 - $1,296,849   $1,901,049

What a ridiculous amount of money.  I feel so very, very fortunate.

[BiggerFishToFI]

Made it to 2M Networth! Like the last thread, going to stick around here until our invested amount eclipses 2M. We have a relatively high (6.625%, ~300k remaining) mortgage that we plan to shovel as much extra cash as we can in 2025 after maxing tax advantaged space so I anticipate not huge investment gains over the next year, but we'll see!

Month   Invested   Networth   
04/30/17   $67,858   $125,786   <---- Discovered MMM / LBYM
09/30/17   $100,416   $168,105   <---- 100k Invested
01/31/19   $251,061   $311,711   <---- 250k Invested
06/30/20   $501,158   $573,100   <---- 500k Invested
10/31/21   $1,000,117   $1,191,167   <---- 1M Invested / Networth
11/30/21   $992,058   $1,164,338   
12/31/21   $1,080,047   $1,267,082   
03/31/22   $1,079,907   $1,261,231   
06/30/22   $951,010   $1,133,332   
09/30/22   $932,215   $1,116,375   
12/31/22   $1,037,594   $1,264,764   
03/31/23   $1,169,701   $1,363,914   
06/30/23   $1,259,219   $1,465,265   
09/30/23   $1,253,710   $1,439,186   
12/31/23   $1,422,250   $1,741,093   
03/31/24   $1,578,470   $1,879,436   
06/30/24   $1,395,860   $1,892,608   
09/30/24   $1,404,577   $1,959,973   
12/31/24   $1,419,479   $2,030,779   <---- 2M Networth

[hudsoncat]

	2018	2019	2020	2021	2022	2023	2024	2025
January	$222,019	$261,809	$403,264	$550,326	$775,790	$707,881	$988,431	$1,330,876
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	$1,294,788	-
December	$281,461	$391,293	$531,137	$754,319	$745,704	$930,012	$1,354,861	-

2024 was kind of crappy honestly, I'm not sad to see the end of it. But the markets, the markets were not crappy in 2024.

[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
2024     $1,111,070
---

Trailing 4 quarters:
Q1 2024  $1,007,541
Q2 2024  $1,051,933
Q3 2024  $1,091,128
Q4 2024  $1,111,070

[RWD]

We were over [redacted] for a while but stock market pulled us back under at the last minute. Still +[redacted] for the year is quite respectable.

[Chairman]

Following up on last post:

Jan 1st, 2022 update — +220k since the previous update a year before, but basically all of it is due to market returns.

It's been a few years since the last update. Not currently saving, and any gains here (+198K since last time) are due to market returns.

• 2025: 1411k liquid + 626K home equity: total 2,033k (debt: 4k)
• 2022: 1261k liquid + 574K home equity: total 1,835k (debt: 0k)
• 2021: 1059k liquid + 556K home equity: total 1,615k (debt: 0k)
• 2020: 918k liquid + 478k home equity: total 1,396k (debt: 30k)
• 2019: 877k liquid + 440k home equity: total 1,317k (debt: 46k)
• 2018: 1,075k liquid + 409k home equity: total 1,484k (debt: 141k)
• 2017: 720k liquid + 250k home equity: total 970k (debt: approx 228k)

Hit $2M but staying in this thread because the next update (2026) will be post-divorce, at which point the total will be half or less than it currently is.

[pasadenafr]

I love closing the year and updating my spreadsheet.

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
12/31/24    $1,547,428 - 50 years old!
---

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
09/30/24    $1,507,580
10/31/24    $1,493,422
11/30/24    $1,573,565
12/31/24    $1,547,428



2024 Highlights:
- 🏅$1.5M was my stretch goal for this year. I even got within $5k of $1.6M earlier in December.
- 🏅I am now officially FI, but still far from RE. Portfolio can sustain up to a 12% loss before I cross the FI line again on the way down.

2024 Review:
- Overall performance: 17.46%.
- Net worth: up $363k (30.66%). Not surprisingly, my best year in $$ terms.
- New contributions: $165k. Also my best year. I had to transfer $75 from my checking account yesterday to make it over that number lol. I don't expect saving that much ever again. This includes $25k that I was owed from 2023 and got back.
- Repartition: 45% contributions, 55% market gains.

- First year doing catch-up contributions
- Preparing for the ramp down to retirement in a few years, I got rid of almost all individual stocks in my Roth IRA. I still have some NVDA with a standing sell order. I also sold some TSLA and some older ESPP shares in my fun money account but the rest has way too much LTCG to sell it all. I'm fine with it (total of individual stocks across all accounts is now just under 5% so I don't really care if they crash). I will sell a little more TSLA tomorrow to fund my backdoor Roth, and will use them if/when I need money.

2025 Outlook:
- Hard to say. I will most probably either change jobs or take a few months off and live off the portfolio.
- This will be the first year of my gliding path towards retirement AA. Current AA is 80/20 with a loose 5% rebalancing band. Target is 60/40 in 2029. 2025 will be 76/24 by end of Q1. I'm still thinking about whether I'll stay there for a few years and rebalance in one big swoop in 2029, or keep a straight line down. I guess it will depend on where I'm at at the end of the year.

Pasadenafr

[Dave1442397]

Moving along. I only started keeping track of everything after discovering the MMM forums in late 2016.

                Net Worth
01/01/17   $361,904
01/01/18   $504,408
01/01/19   $550,259
01/01/20   $728,920
01/01/21   $902,097
01/01/22   $1,139,061
01/01/23   $1,040,407
01/01/24   $1,359,190
01/01/25   $1,700,858

[lampstache]

Investments only

	2017	2018	2019	2020	2021	2022	2023	2024	2025
January	$34,633	$56,928	$98,248	$176,153	$419,499	$643,917	$586,257	$808,772	$1,131,515
February	$40,740	$56,241	$115,926	$182,362	$433,878	$631,440	$641,711	$828,542	-
March	???	$57,195	$123,445	$171,868	$481,671	$612,570	$643,961	$870,233	-
April	$41,346	$57,635	$129,678	$188,425	$503,015	$628,685	$673,394	$895,779	-
May	$41,840	$66,682	$136,527	$255,004	$536,515	$583,864	$671,053	$861,136	-
June	$45,227	$71,500	$132,945	$279,130	$570,802	$566,514	$689,810	$926,752	-
July	$45,862	$75,817	$142,557	$290,173	$570,802	$546,704	$727,315	$955,569	-
August	$47,377	$85,050	$150,420	$310,173	$568,446	$587,836	$753,046	$951,196	-
September	$47,669	$87,937	$146,310	$336,875	$596,208	$556,816	$752,227	$993,478	-
October	$50,397	$94,114	$150,536	$338,532	$590,085	$526,251	$733,159	$1,020,048	-
November	$52,288	$95,502	$155,627	$332,899	$625,776	$568,125	$720,868	$1,036,408	-
December	???	$93,596	$165,458	$396,311	$611,435	$602,563	$773,792	$1,164,911	-
Annual Gain	$22,295	$41,320	$77,905	$243,346	$224,418	$-57,660	$222,515	$322,743

[okparallax]

Following up to my own comment from December 2020, when we crossed $1 Million in Net Worth.

It took us almost exactly 4 years to but in early December 2024, last month, we have now hit $2 Million in Net Worth.

Balance Sheet looks like this:
$30K Cash
$1,630,000 Investments
$670,0000 Home Value

$330,000 Mortgage
No Other Debt

[turketron]

		2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
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	$1,506,422.88
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	$1,452,428.81
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	$1,455,433.52
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	$1,541,661.65

Down a bit this month, but still over 1.5!

[JLee]

Code: [Select]

Year 2018 2019 2020 2021 2022 2023 2024 2025

Jan $260,262.67 $260,498.17 $355,540.40 $508,468.68 $672,003.95     $640,193.26 $904,111.46 $1,216,873.09
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 $1,189,756.08
Dec $280,335.80 $352,576.02 $480,614.30 $633,311.29 $652,812.65     $859,161.72 $1,224,811,35


[neo von retorch]

Net Worth

1/31/2016:       $254,591
...
9/30/2018:       $519,994 (+17,500)
12/31/2018:     $502,059 (-17,935) -3.44%
...
6/30/2023:       $1,023,377 (+63,406) +6.6%
9/30/2023:       $1,000,249 (-23,128) -2.3%
12/31/2023:     $1,118,806 (+118,557) +11.8%
3/31/2024:       $1,234,443 (+115,637) +10.3%
6/30/2024:       $1,412,877 (+178,434) +14.5%
9/30/2024:       $1,481,176 (+68,299) +4.83%
12/31/2024:     $1,484,479 (+3,303) +0.22%

Net Liquid Assets

$1,011,329 +13.5% in 2023 Q4
$1,002,875 -0.8% in 2024 Q1
$1,242,059 +23.8% in 2024 Q2 Sold old house.
$1,307,301 +5.3% in 2024 Q3 Unemployed but invested
$1,310,279 +0.23% in 2024 Q4 Unemployed but invested

Not much to say, other than that quarter was a wash. Would be nice to be employed though...

[engineerjourney]

Updating this so it’s easier for me to have a long standing record of where we came from. 

Liquid Net Worth/Total Net Worth               
2011-2013: -$100k/-$80k (student loans, finished grad school Dec 2010)
Nov 2013: $115k/$226k (used an inheritance to pay off remaining loans)
Aug 2014: $144k/$307k (start maxing tax advantaged accounts)
…
Jan 2017: $279k/$430k
…
Jan 2019: $485k/$612k
Jan 2020: $625k/$741k
Jan 2021: $871k/$996k
Jan 2022: $1.08M/$1.21M
Jan 2023: $951k/$1.1M (went part time Feb 2023)
Jan 2024: $1.21M/$1.58M
Jan 2025: $1.51M/$1.92M

*Notes: starting Jan 2024 TNW will use Zillow estimate for house equity instead of purchase price years ago (approx. $246.5k difference at this moment in time).  TNW is pretty much useless for our FIRE purposes though as we will be in the house for at least 16 more years if not even longer.  Children’s 529 accounts are not accounted for in either numbers as well.

We saved significantly less in 2023 and 2024 due to me going part time at work, the markets went nuts!! 

[Finwiz]

It's been quite a year! Over $400k increase, landing just above $1.5mm to finish off the year. Hoping that we can make it to $2mm by the end of 2025, but more likely first quarter 2026.

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)
09/31/24 - $1,446,094 (+$343,583)
10/17/24 - $1,459,033 (+$356,522)
11/01/24 - $1,453,129 (+$350,618)
11/09/24 - $1,500,239 (+$397,728)
12/05/24 - $1,523,869 (+$421,357)
12/31/24 - $1,506,203 (+$403,691)

[fuzzy math]

Investments only

	2018	2019	2020	2021	2022	2023	2024	2025
January	-	$226,942	$401,746	$603,129	$905,792	$860,957	$1,139,972	$1,741,949
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	$1,596,427
November	$238,881	$352,430	$528,082	$851,714	$844,902	$971,634	$1,635,242
December	$244,687	$370,715	$585,310	$880,980	$899,305	$1,079,203	$1,727,824

[ToughMother]

End of 2024 update

The year of FIRE for me and we're hanging on to our $2M net worth, working on hitting $2M in investments as spouse continues to work.
Wishing everyone a happy 2025!

2024 Q4 update

date         NW        Investments
4/3/14     $430k         $225k
9/19/14    $500k         $275k
11/6/14    $550k         $300K
5/9/15     $600k         $341k
4/13/16    $650k         $375k
9/7/16     $700k         $410k
5/6/17     $750k         $674k (*I think I lost info on one of our accounts prior to this)
9/9/17     $800k         $717k
11/22/17      Assets hit $1M
12/15/17   $850k         $770K
3/10/18    $900k         $770k (refinanced house, put $ in, and moved from 30 to 15 yrs)
6/16/18    $950k         $818k
12/26/18   $900k         $750k
1/10/19    $950k         $803k
2/19/19    $1M !!!       $856k
6/12/19    $1.05M        $900k
10/9/19    $1.08M        $895k (downpayment on new house)
12/31/19   $1.16M        $974k
2/12/20    $1.19M        $1M !!! 
 bad, scary viral things happened; sold first house; interior reno on new house, then back at it 
8/13/21    $1.46M        $1.27M
12/31/21   $1.54M        $1.34M (refinanced house)
12/29/22   $1.48M        $1.26M (major house repairs/construction; invested ~$95K this year not including pension contributions)
3/31/23    $1.50M        $1.33M (major house repairs/construction con't)
6/30/23    $1.53M        $1.40M (just finished house work)
9/30/23    $1.53M        $1.39M
12/31/23   $1.68M        $1.52M
2/29/24       Assets hit $2M
3/1/24     $1.78M        $1.60M (FIRE'd)
3/31/24    $1.86M        $1.66M (vac payout)
6/30/24    $1.88M        $1.69M 
9/30/24    $2M !!!       $1.80M
12/31/24   $2.04M        $1.83M

[mbk]

Graduated from the 500k to 1M race and joining this one. I can't believe it.

I'd like to track my investment money for this race. Investment money include retirement accounts, investments in brokerage, and zillow value on rental property. This definition is different from the one I used for 500k-1M race. I recalculated my past amounts based on this criteria.

Year   Investment       Networth
2010          $0        -$48,000
2011       $8,000       -$13,500
2012      $16,000         $9,000
2013      $25,000        $36,000  
2014      $68,000       $118,000
2015     $108,000       $148,000
2016     $139,000       $185,000
2017     $166,000       $211,000
2018     $157,000       $209,000
2019     $258,000       $310,000     
2020     $342,000       $398,000
2021     $551,000       $641,000
2022     $487,000       $644,000
2023     $672,000       $876,000
2024   $1,031,000     $1,302,000 

[Apples]

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
August 2024:  $1,078,295.67
September 2024:  $1,091,255.49
October 2024:  $1,088,821.21
November 2024:  $1,119,020.43

December 2024: $1,129,727.97

Overall 2024 increase: $181,444.  3rd largest one-year net worth increase, close behind last year.  Pretty good for decreasing savings and instead paying daycare.  On that note, our actually money saved each month is going to fall off a cliff for the foreseeable future, so very happy to already have the savings piled nice and high to drive that NW increase.  Farm had a rough year, so no extra principal paydown, and unlikely to happen in 2025 either.  Just trucking along trying to stay within the budget and enjoy life.  Baby boy is wonderful!  Our net worth went from $40,000 at the beginning of 2014 (not long after graduating college) to shooting up to where we are now.  So awesome to see the accumulation over time.  That said, I expect we will be here for severallll more years as our savings are much lower.

[Radagast]

Q4 2016:  $112,200     $165,800
Q1 2017:  $124,300     $178,500
Q2 2017:  $148,300     $203,300
Q3 2017:  $160,548     $217,018
Q4 2017:  $178,042     $235,102
Q1 2018:  $203,082     $260,736
Q2 2018:  $213,941     $272,491
Q3 2018:  $223,802     $283,554
Q4 2018:  $235,666     $296,330
Q1 2019:  $229,947     $291,293
Q2 2019:  $284,421     $346,689
Q3 2019:  $315,573     $378,769
Q4 2019:  $350,244     $414,376
Q1 2020:  $408,250     $473,325
Q2 2020:  $362,044     $428,120
Q3 2020:  $457,379     $524,413
Q4 2020:  $383,076     $555,858
Q1 2021:  $478,879     $656,382
Q2 2021:  $522,651     $704,873
Q3 2021:  $575,207     $761,357
Q4 2021:  $722,632     $916,172
Q1 2022:  $785,909     $979,449
Q2 2022:  $793,344     $1,078,999
Q3 2022:  $701,136     $984,207
Q4 2022:  $680,310     $898,221 
Q1 2023:  $766,771     $1,005,937
Q2 2023:  $829,120     $1,072,293
Q3 2023:  $909,213     $1,166,633
Q4 2023:  $846,149     $1,120,101
Q1 2024:  $977,778     $1,241,503
Q2 2024:  $1,193,894  $1,327,748
Q3 2024:  $1,228,874  $1,386,135
Q4 2024:  $1,316,094  $1,463,839
Q1 2025:  $1,339,914  $1,504,699

Really feeling the doldrums at this point. We've been five more years-ing it for four years now. Housing is the big issue: costs of buying and renting are both up significantly and we are chasing that.

[Dr Kidstache]

Nov 2015: Crossed 0k TNW threshold
Apr 2017:  Crossed 250k TNW threshold
Apr 2019:  Crossed 500k TNW threshold
Sept 2021:Crossed $1mil invested 1st time
Dec 2024: TNW $1.53 mil  /  Investments $1,014,909  --> crossed $1mil invested again

Jan 2025: TNW $1.49 mil  /  Investments $991,519

[Geppetto]

...
Q1 2021:  $478,879     $656,382
...
Q1 2025:  $1,339,914  $1,504,699

Really feeling the doldrums at this point. We've been five more years-ing it for four years now. Housing is the big issue: costs of buying and renting are both up significantly and we are chasing that.

Hey there ... in those four years you've multiplied your net worth 2.3x! That takes chutzpah. Kudos, and betcha you can do it again.

[Jack0Life]

Following up to my own comment from December 2020, when we crossed $1 Million in Net Worth.

It took us almost exactly 4 years to but in early December 2024, last month, we have now hit $2 Million in Net Worth.

Balance Sheet looks like this:
$30K Cash
$1,630,000 Investments
$670,0000 Home Value

$330,000 Mortgage
No Other Debt
[/quote

Nice.
We also hit $1 mil in Aug 2020.
We got as high as $1.93 mil in Dec.
As long as the market go up in 2025, we will hit $2 mils.

[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 first month of full salary after a year sab
Nov 1: 1,118,780 (a commission was finished and paid, IRAs maxed)
Nov 29: 1,161,770

UP 236k for 2024
2025
Jan 5th: 1,156,562 tnw.  964.5 investments

I'm excited! what a big jump for 2024- and that was a year I was on 3/4 pay and husband didnt have a job for half of it either. Now I'm back to full pay and more and husband has a new FT job having finally finished all his degrees. I'm gonna be 50 this year! We have been chatting about me retiring in 5 years~~ wow~

[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)
Oct 2024      $1,309,840  ($1,519,840 TNW)
Nov 2024      $1,308,272  ($1,518,272 TNW)
Dec 2024      $1,367,237  ($1,577,237 TNW)
Jan 2024      $1,346,385  ($1,556,385 TNW)

[TheAnonOne]

Old data:

Spoiler: show

2015 DEC	:	252k	<- Crossed 250k
-	-
2016 JAN	:	260k	(+8k)
2016 FEB	:	281k	(+21k)
2016 MAR	:	285k	(+4k)
2016 APR	:	298k	(+13k)
2016 MAY	:	305k	(+7k)
2016 JUN	:	307k	(+2k)
2016 JUL	:	320k	(+13k)
2016 AUG	:	326k	(+6k)
2016 SEP	:	336k	(+10k)
2016 OCT	:	337k	(+1k)
2016 NOV	:	361k	(+24k)
2016 DEC	:	368k	(+7k)
-	-
2017 JAN	:	382k	(+14k)
2017 FEB	:	403k	(+21k)
2017 MAR	:	416k	(+13k)
2017 APR	:	427k	(+11k)
2017 MAY	:	436k	(+9k)
2017 JUN	:	449k	(+13k)
2017 JUL	:	464k	(+15k)
2017 AUG	:	478k	(+14k)
2017 SEPT	:	494k	(+16k)
2017 OCT	:	510k	(+16k) <- Crossed 500k
2017 NOV	:	523k	(+13k)
2017 DEC	:	534k	(+11k)
-	-
2018 JAN	:	558k	(+24k)
2018 FEB	:	569k	(+11k)
2018 MAR	:	560k	(-9k)
2018 APR	:	574k	(+14k/+5k)
2018 MAY	:	575k	(+1k)
2018 JUNE	:	575k	(+0k)
2018 JULY	:	599k	(+24k)
2018 AUG	:	620k	(+21k)
2018 SEPT	:	625k	(+5k)
2018 OCT	:	597k	(-28k)
2018 NOV	:	606k	(+9k/-19k)
2018 DEC	:	580k	(-26k/-45k)
-	-
2019 JAN	:	628k	(+48k/+3k)
2019 FEB	:	666k	(+38k)
2019 MAR	:	677k	(+11k)
2019 APR	:	706k	(+29k)
2019 MAY	:	670k	(-36k)
2019 JUNE	:	709k	(+39k/+3k)
2019 JULY	:	712k	(+3k)
2019 AUG	:	720k	(+8k)
2019 SEPT	:	725k	(+5k)
2019 OCT	:	753k	(+28k)  <- Crossed 750k
2019 NOV	:	777k	(+24k)
2019 DEC	:	798k	(+21k)
-	-
2020 JAN	:	809k	(+11k)
2020 FEB	:	780k	(-29k)
2020 MAR	:	700k	(-80k/-109k)
2020 APR	:	762k	(+62k/-47k)
2020 MAY	:	818k	(+56k/+8k)
2020 JUNE	:	840k	(+22k)
2020 JULY	:	884k	(+44k)
2020 AUG	:	1.002mm	(+118k)
2020 SEP	:	979k	(-23k/-23k)
2020 OCT	:	971k	(-8k/-31k)
2020 NOV	:	1.058mm	(+87k)
2020 DEC	:	1.100mm	(+42k)
-	-
2021 JAN	:	1.100mm	(+0k)
2021 FEB	:	1.140mm	(+40k)
2021 MAR	:	1.165mm	(+25k)
2021 APR	:	1.202mm	(+37k)
2021 MAY	:	1.209mm	(+7k)
2021 JUNE	:	1.243mm	(+34k)
2021 JULY	:	1.266mm	(+23k)
2021 AUG	:	1.307mm	(+41k)
2021 SEPT	:	1.281mm	(-26k/-26k)[/b]
2021 OCT	:	1.340mm	(+59k)
2021 NOV	:	1.330mm	(-10k/-10k)[/b]
2021 DEC	:	1.374mm	(+44k)

2015 DEC	:	252k
2016 DEC	:	368k
2017 DEC	:	534k
2018 DEC	:	580k
2019 DEC	:	798k
2020 DEC	:	1.100mm	(+302k)
2021 DEC	:	1.374mm	(+274k)
2022 DEC	:	1.318mm	(-56k)
2023 DEC	:	1.615mm	(+297k)
-	-
2024 DEC	:	1.982mm	(+367k)

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

Another year down.

I joined the MMM forums in January of 2015, and now it's January of 2025. Pretty unreal how fast time goes.

In that decade, we've gone from probably around 100k NW (2016 was closer to when we started tracking) to cresting 2.00MM back in Nov/Dec.

If I would have told my early/mid 20 year old self that in 10 years I would have been a multimillionare, I probably would have been impressed. I also would probably wonder why im still working so hard every day haha.

As of Jan 1, we gained $367,000 YoY, easily our best year.

We're at around 1.5mm in the stache. This puts us around what im going to call "barebones" FIRE. The challenge is our somewhat large $2600 mortgage. The 1.5mm covers basically everything but that, and what ill deem "extravegance".

This basically comes in a 2 part process:

Part 1:
To cover our expenses, including all extravegances, is about 80k or 2.0mm in the stache. At a 10% rate + our current savings rate (85k+ annually) it comes surprisingly fast.
$1,500,000 + 10% + $85,000 = $1,735,000
$1,735,000 + 10% + $85,000 = $1,993,500 (Done!)

2 whole average years! Even at a 0% growth rate, ill "buy" the 500k deficit within around 5 years. Surely HOPE I don't have to wait that long but, TBD.

Part 2:
The bigger blocker to actually pulling the plug is going to be what to do about the mortgage. It's $400k, has 25ish years remaining at 2.75%. So it's squarely in the "don't pay this thing off" category. I pay a few hundred a month extra, reguardless. . .
I'll either have to save up enough stache to cover it going forward, or some other strategy. Something to ponder over the next 2-4 years for sure.

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

Reguardless, for 2025 im going to be lurking in this thread and the 2m+ thread. Wishing everyone a great 2025!

[Jaayse]

Investments only, solo journey (so far)

	2017	2018	2019	2020	2021	2022	2023	2024	2025
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	$1,289,244	-
November	$220,602	$361,296	$466,688	$562,892	$834,154	$809,175	$994,923	$1,367,445	-
December	$225,918	$370,140	$482,944	$632,574	$824,757	$775,674	$1,045,897	$1,333,661	-

I get the feeling 2025 will be a tumultuous year for finances (and probably everything else in the world), I'm hoping I'm wrong.  I hit 1M at the end of 2023, and made better progress than expected in 2024, even with the fallback in December.  I've started tracking what assets I have in tax advantaged accounts vice the money I have accessible in bank/brokerage accounts.  I'm currently split with around 850k accessible and 450k tax advantaged.  I'm looking into opening an HSA this year since I believe in March it finally becomes available to military.  I would like to hit 1.5M overall, which would be on target with 8% growth and 75k new money invested. I hope I get surprised with a good year, but I'm bracing for a not so great one.

[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
Jan 3: 769.5  DOWN 73,345 for 2022

2023
Dec 3rd: 902.5  UP 150,727 for 2023

2024:
Jan 4: 920.5
Jan 5th: 1,156,500 tnw UP 236k for 2024

2025
Jan 31st 1,182,700 tnw. WOOHOO are now officially 1M invested,a big goal was to get to that without including the condo.

[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

|

$1.184M

$1.248M

$1.241M

2025

$1.274M

-

-

|

-

-

-

|

-

-

-

|

-

-

-