Race from $1M to $2M

[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
02/01/2025 - $1,891,600
03/01/2025 - $1,866,600
04/01/2025 - $1,812,200
05/01/2025 - $1,801,100

[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)
January 31, 2025: $1,725,028.32 - first time cracking $1.7M!
February 28, 2025: $1,747,685.97
March 31, 2025: $1,753,746.70
April 30, 2025: $1,778,144.34

[fuzzy math]

Being unemployed in addition to the current financial markets keeps making me super late in remembering to update. Previously I always did it somewhere between the 30th - 2nd. Oof we hit the 1.4s in April for a few days, would have been at 1.8 now if the market hadn't changed. It's wild to see how much of a swing can happen once in the 7 figures!

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	$1,752,412
March	-	$270,351	$412,631	$630,438	$856,028	$938,053	$1,287,113	$1,722,573
April	-	$285,770	$393,815	$679,078	$900,389	$957,750	$1,340,771	$1,637,454
May	-	$295,838	$414,524	$719,534	$837,895	$973,337	$1,329,973	$1,643,120
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

[/quote]

[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	$1,374,906
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	$1,066,926	$1,343,538
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	$1,116,852	$1,292,403
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	$1,100,877	$1,303,445
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	-

Little later than normal posting (busy time of the year). Filled the second IRA last month. Flexed the frugality muscles and saved a little bit extra. Short term going to keep that in a HYSA as we have talked about building up the E-fund a bit more (we've always kept it fairly lean). Otherwise we continue to pour money into the investments and hope it all shakes out in the end.

[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
January 2025:  $1,145,282.12
February 2025: $1,145,336.82
March 2025:  $1,116,100.19 

April 2025:  $1,121,382.69

[drumstache]

DATE      INVESTMENTS + EF
Jan 2015      $247,945   
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
Dec 2024      $1,367,237  ($1,577,237 TNW)
Jan 2025      $1,346,385  ($1,556,385 TNW)
Feb 2025      $1,380,000  ($1,590,000 TNW)
Mar 2025      $1,350,232  ($1,560,232 TNW)
Apr 2025      $1,274,940  ($1,518,000 TNW)
May 2025      $1,319,974  ($1,545,974 TNW)

[Whiskers]

*May 2025 - Hit $1.2M in investments

Joining the ranks of you folks chasing that $2,000,000.00 milestone! (To keep my journey consistent, I’m going to be following based on my personal investments / retirement accounts—separate from the wife's—and not counting the home value).

*November 2024 - Hit $1.1M in investments

Below is a brief recap of my journey so far...

Looking back at notes from 'Race from 500k to $1M':
*September 2024 - Hit $1,000,000 in personal investments.
---It took about 5 years (starting in debt) to hit $100k and then a little over 9 years to get from $100k to $1M. Feels really good getting here and happy to have gotten here at age 40.
*April 2024 - Hit $900k in investments.
---This is a meaningful milestone for me as it came after a significant setback. Within days after my last post, the market retracted. I soon found myself $250k down from Nov. 2021 highs. A very humbling experience.
*November 2021 - Hit $800k in investments
*August 2021 - Hit $750k in investments
*April 2021 - Hit $700k in investments

Looking back further, at notes from ‘Race from 250 to 500k!’:
*November 2020 - Eclipsed $500k (and finished the ‘Race from 250 to $500k!’)
*February 2020 - Hit $400k
*June 2019 - 1/3 of the way to $1M
*April 2019 - Hit $312.5k
*January 2018 - Passed the $250k mark
*May 2015 - (I think) - First crossed $100k at 31 y/o
*June 2010 - Finish grad school, 26 y/o, $90k+ in debt; new job at $40k/year

[Finwiz]

I've been slacking in updating here (and haven't been doing as good of a job at tracking as I used to either). Was hoping 2025 would be the year we'd cross 2mm, but not looking likely despite the 139k in contributions YTD.

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)

03/31/24 - $1,256,463 (+$153,951)
06/30/24 - $1,339,025 (+$236,514)
09/31/24 - $1,446,094 (+$343,583)
10/17/24 - $1,459,033 (+$356,522)
12/31/24 - $1,506,203 (+$403,691)

01/17/25 - $1,525,837 (+$19,635)
02/21/25 - $1,615,789 (+$109,587)
05/14/25 - $1,634,809 (+$128,606)

[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 / $1,148K (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
01/31/2025 - $1,207,094 / $1.38M (including $36,125 in crypto) (+$49,357)
03/03/2025 - $1,183,988 / $1.36M (including $28,885 in crypto) (-$23,106)
04/01/2025 - $1,134,325 / $1.31M (including $28,880 in crypto) (-$49,663)
05/01/2025 - $1,206,021 / $1.39M (including $33,760 in crypto) (+$71,697)
05/30/2025 - $1,293,578 / $1.48M (Including $38,490 in crypto) (+$87,556)

[Dogastrophe]

Investments only; Household combined.

	2019 ($)	2020 ($)	2021 ($)	2022 ($)	2023 ($)	2024 ($)	2025 ($)
January	-	496,255	674,413	898,547	902,687	1,180,214	1,529,672
February	-	472,573	700,728	880,646	903,228	1,254,552	1,503,410
March	-	444,067	732,652	901,213	928,990	1,290,713	1,410,953
April	-	495,051	762,029	848.393	982,455	1,268,968	1,356,497
May	-	524,063	759,955	843,438	990,932	1,312,895	1,432,669
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

[grantmeaname]

Total net worth

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

$1.341M

$1.302M

|

$1.300M

$1.374M

-

|

-

-

-

|

-

-

-

Mortgage balance

Year

Jan

Feb

Mar

|

Apr

May

Jun

|

Jul

Aug

Sep

|

Oct

Nov

Dec

2022

-

-

-

|

-

-

-

|

-

-

-

|

-

-

$372k

2023

$361k

$353k

$349k

|

$347k

$346k

$344k

|

$343k

$341k

$338k

|

$321k

$311k

$302k

2024

$294k

$292k

$264k

|

$262k

$252k

$250k

|

$243k

$234k

$226k

|

$195k

$180k

$170k

2025

$167k

$99k

$97k

|

$94k

$60k

-

|

-

-

-

|

-

-

-

[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
02/01/2025 - $1,891,600
03/01/2025 - $1,866,600
04/01/2025 - $1,812,200
05/01/2025 - $1,801,100
06/01/2025 - $1,867,000

[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 $1,244,012.34
Mar $274,832.08 $303,458.44 $338,355.26 $520,884.63 $634,640.78     $662,686.54 $954,443.92 $1,220,949.22
Apr $270,627.23 $303,218.72 $293,271.53 $541,068.08 $659,611.56     $682,101.41 $991,145.41 $1,197,460.54
May $278,368.36 $317,168.51 $347,245.32 $587,538.85 $626,633.66     $773,878.01 $1,040,713.88 $1,245,041.89
Jun $274,359.32 $305,266.44 $364,417.41 $593,402.81 $633,264.00     $782,511.38 $1,078,933.51 $1,314,073.43
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


[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	$1,374,906
March	$234,104	$303,681	$388,201	$577,440	$732,898	$751,869	$1,066,926	$1,343,538
April	$234,452	$314,939	$355,475	$606,455	$774,258	$781,814	$1,116,852	$1,292,403
May	$241,470	$331,080	$398,672	$647,810	$714,112	$812,967	$1,100,877	$1,303,445
June	$249,398	$320,926	$417,280	$654,138	$719,842	$822,222	$1,133,352	$1,395,662
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	-

[RWD]

Total net worth

Wow, you've been absolutely killing it these last few years!

[grantmeaname]

Thank you! Yeah! I have a not-very-tolerable, firehose-of-cash job and lived with in laws for free for a couple years of the pandemic so the net worth has really taken off.

[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	$1,752,412
March	-	$270,351	$412,631	$630,438	$856,028	$938,053	$1,287,113	$1,722,573
April	-	$285,770	$393,815	$679,078	$900,389	$957,750	$1,340,771	$1,637,454
May	-	$295,838	$414,524	$719,534	$837,895	$973,337	$1,329,973	$1,643,120
June	$219,320	$283,393	$452,579	$737,483	$849,385	$968,752	$1,437,719	$1,765,165
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

[LightStache]

	2025
January	$835,447
February	$998,738
March	$1,037,687
April	$1,069,860
May	$1,035,209
June	$1,319,892
July
August
September
October
November
December

Big jump from large investment in Fannie Mae and Freddie Mac commons

[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)
January 31, 2025: $1,725,028.32 - first time cracking $1.7M!
February 28, 2025: $1,747,685.97
March 31, 2025: $1,753,746.70
April 30, 2025: $1,778,144.34
May 31, 2025: $1,826,864.87 - first time cracking $1.8M!

[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.
Mar 1st 1,171,579 tnw
April
May: 1,151,816.00 tnw
June 1st: 1,200,350 tnw

[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	$1,157,675
March	???	$57,195	$123,445	$171,868	$481,671	$612,570	$643,961	$870,233	$1,136,663
April	$41,346	$57,635	$129,678	$188,425	$503,015	$628,685	$673,394	$895,779	$988,867
May	$41,840	$66,682	$136,527	$255,004	$536,515	$583,864	$671,053	$861,136	$1,071,536
June	$45,227	$71,500	$132,945	$279,130	$570,802	$566,514	$689,810	$926,752	$1,135,379
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	$-29,532

[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	$1,553,328.80
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	$1,532,807.91
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	$1,468,934.06
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	$1,463,383.99
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	$1,558,872.16
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

Pleasantly surprised but it probably won't last!

[J.P. MoreGains]

		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	$1,553,328.80
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	$1,532,807.91
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	$1,468,934.06
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	$1,463,383.99
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	$1,558,872.16
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

Pleasantly surprised but it probably won't last!

@turketron In 2018, 2019 and 2020 about how much of new money were you investing each month? You went from about 300k to about 700k in that time frame which is awesome progress in those years.

I just hit 300k so I'm a bit curious about what your contributions were over that time span.

[turketron]

@turketron In 2018, 2019 and 2020 about how much of new money were you investing each month? You went from about 300k to about 700k in that time frame which is awesome progress in those years.

I just hit 300k so I'm a bit curious about what your contributions were over that time span.

Good question, I probably have it recorded in a spreadsheet somewhere but I'd have to dig it up. I know I got very lucky and a lot of it was gains on RSUs and ESPP in my company's stock that was doing *very* well at the time, the ESPP in particular was incredibly lucrative because I got in pre-IPO I was buying the shares for a fraction of what I was selling them for.

[charis]

Apr 2017: 175k (total net worth)
Apr 2018: 333k
Apr 2019: 400k
Aug 2020: 602k TNW (415k invested)
Aug 2021: 831k TNW (625k invested)
(invested only hereafter)
Jan 2022: 688k
Dec 2023: 899k
Mar 2024: 1,005,000 (crossed 1m mark)
Jun 2024: 1,039,000
Oct 2024: 1,134,353
Nov 2024: 1,134,985

June 2025: 1,226,370

I tend to stop looking at the 'stache when things are down or volatile, so it's been a little bit since I updated.   

[J.P. MoreGains]

Good question, I probably have it recorded in a spreadsheet somewhere but I'd have to dig it up. I know I got very lucky and a lot of it was gains on RSUs and ESPP in my company's stock that was doing *very* well at the time, the ESPP in particular was incredibly lucrative because I got in pre-IPO I was buying the shares for a fraction of what I was selling them for.

Glad you had such good fortune then! Those were some incredible jumps in that time frame so good for you!

[wealthviahealth]

11/2024: 1M
6/9/2024: 1,135,000

From start of recent market sell off till early may I decreased auto investments in 401k and post tax by about 80% to stack more cash. I knew it flew in the face of the fundamentals that helped get me to where Im at now in the first place but it greatly increased my sleep at night factor and feeling of being “well off”.
Looking back now- would have obviously been great to stay the course the whole time but the extra cash also allowed me to take some risks in some bigger lifestyles expenses which have already paid off.

Any reflections from others looking back at the past few months?

[drumstache]

Any reflections from others looking back at the past few months?

I've mostly been staying the course, but the rollercoaster hasn't been the funnest ride.  Been trying to keep distracted by doing a bunch of much needed updates to the house.  Dusting the cobwebs off the cash/stash.

[drumstache]

DATE      INVESTMENTS + EF
Jan 2015      $247,945   
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
Dec 2024      $1,367,237  ($1,577,237 TNW)
Jan 2025      $1,346,385  ($1,556,385 TNW)
Feb 2025      $1,380,000  ($1,590,000 TNW)
Mar 2025      $1,350,232  ($1,560,232 TNW)
Apr 2025      $1,274,940  ($1,518,000 TNW)
May 2025      $1,319,974  ($1,545,974 TNW)
Jun 2025      $1,395,502  ($1,605,502 TNW)

[FLBiker]

Strange days.  I was laid off in March.  Our investments hit $1.9M USD for the first time today.

I'm looking for work, but in a new field.  I realized a couple of years ago that RE wasn't really my priority.  It's a funny thing to be looking for work while also feeling like I don't need to work.  In a way, it helps because I'm really able to focus on what I'm looking for in the work itself, rather than the salary.

[Zamboni]

@FLBiker, sorry to read about your layoff. Glad you are in a secure financial position. . . that must really take off the stress!

Zamboni's Solo Stache:

Year End
2012 - $233,131
2013 - $328,867
2014 - $374,288
2015 - $472,596
2016 - $602,542
2017 - $742,268
2018 - $739,256
2019 - $883,987
2020 - $879,522
2021 - $973,663
2022 - $1,073,612
2023 - $1,239,094
2024 - $1,374,408

Jan 2025 - $1,405,888
Jun 2025 - $1,432,647

I definitely feel like I've lost some momentum lately rather than gained it, but looking at the annual gradual increase makes me feel slightly better about it. But, on the plus side for my mental well being, I've bought a nice little ranch-style house that will hopefully be my last move for a very long time. Next post I will probably emulate grantmeaname and make a mortgage payoff table (if I can figure out how to make it on here, lol!)

[JupiterGreen]

@FLBiker, sorry to read about your layoff. Glad you are in a secure financial position. . . that must really take off the stress!

Zamboni's Solo Stache:

Year End
2012 - $233,131
2013 - $328,867
2014 - $374,288
2015 - $472,596
2016 - $602,542
2017 - $742,268
2018 - $739,256
2019 - $883,987
2020 - $879,522
2021 - $973,663
2022 - $1,073,612
2023 - $1,239,094
2024 - $1,374,408

Jan 2025 - $1,405,888
Jun 2025 - $1,432,647

I definitely feel like I've lost some momentum lately rather than gained it, but looking at the annual gradual increase makes me feel slightly better about it. But, on the plus side for my mental well being, I've bought a nice little ranch-style house that will hopefully be my last move for a very long time. Next post I will probably emulate grantmeaname and make a mortgage payoff table (if I can figure out how to make it on here, lol!)

This is really impressive for a solo stache! How did you do on your mortgage rate? Our is 6.3% (or thereabouts) We recently bought our "forever" home too and have been debating payoff vs invest. At the moment I'm not paying anything extra to the principle but leaning towards splitting the difference and deploying money to all places in a couple of months. We paid off our last house and that added value to our lives, it allowed for a lot of life flexibility so might end up eventually changing strategies.

[grantmeaname]

Easiest way is to quote my post and cut the text out of it... You use the 'table' bbcode with one row for each year (or month if you want to turn it 90 degrees from mine)

[Zamboni]

@JupiterGreen, thank you for your kind words. My mortgage is at 6.125%. My plan is to just pay it off as quickly as I can by lumping in bonus, surprise, and side hustle money. After all, I have to pay taxes on any earnings on my other investments, so that cuts into the actual gains there, and having a paid off home will just bring peace of mind for me at this point.

Thanks for the tip about the table, @grantmeaname!

[joemandadman189]

11/2024: 1M
6/9/2024: 1,135,000

From start of recent market sell off till early may I decreased auto investments in 401k and post tax by about 80% to stack more cash. I knew it flew in the face of the fundamentals that helped get me to where Im at now in the first place but it greatly increased my sleep at night factor and feeling of being “well off”.
Looking back now- would have obviously been great to stay the course the whole time but the extra cash also allowed me to take some risks in some bigger lifestyles expenses which have already paid off.

Any reflections from others looking back at the past few months?

i increased my 401k contributions to take advantage of the market being on sale - i was surprised how quickly things rebounded. I also deployed any cash in the brokerage account, but did it too early, i bought things in the -10% range and should have waited.

I learned the value of having a cash stockpile in the brokerage account that is ready to be deployed when things go south like that, Instead of DCA-ing all funds in keep some cash on the sidelines to take advantage of downturns

[GuitarStv]

I learned the value of having a cash stockpile in the brokerage account that is ready to be deployed when things go south like that, Instead of DCA-ing all funds in keep some cash on the sidelines to take advantage of downturns

Soooo . . . . you're market timing?

[joemandadman189]

I learned the value of having a cash stockpile in the brokerage account that is ready to be deployed when things go south like that, Instead of DCA-ing all funds in keep some cash on the sidelines to take advantage of downturns

Soooo . . . . you're market timing?

You love to pick fights, don't you

I am highly argumentative and often feel a burning need to prove other people wrong when they're wrong.  :P

No, its not market timing. Here is an example

Say you like Google stock (or any stock) and want to build a position over time and you have $1,000 a month to invest. Every month you DCA into your stock/fund of choice but with only half of your available contribution amount, in this example $500 and you save the other $500. When Google, or your stock of choice, falls below 20% (10% is probably better for VTSAX or VOO) below the 52 week high, you double down and buy $1,000 on the same time interval. The idea is you still dollar cost average into your investment, and increase contributions when it is "on-sale". Tom Nash on youtube has several videos describing the process in much more and better detail

[GuitarStv]

I learned the value of having a cash stockpile in the brokerage account that is ready to be deployed when things go south like that, Instead of DCA-ing all funds in keep some cash on the sidelines to take advantage of downturns

Soooo . . . . you're market timing?

You love to pick fights, don't you

I am highly argumentative and often feel a burning need to prove other people wrong when they're wrong.  :P

No, its not market timing. Here is an example

Say you like Google stock (or any stock) and want to build a position over time and you have $1,000 a month to invest. Every month you DCA into your stock/fund of choice but with only half of your available contribution amount, in this example $500 and you save the other $500. When Google, or your stock of choice, falls below 20% (10% is probably better for VTSAX or VOO) below the 52 week high, you double down and buy $1,000 on the same time interval. The idea is you still dollar cost average into your investment, and increase contributions when it is "on-sale". Tom Nash on youtube has several videos describing the process in much more and better detail

Being an argumentative pedant, I'll bite.  I get that you have a strategy you're following (and think I understand the gist of it) . . . but how is that not market timing?  You're sitting back on half of your investment money the majority of the time.

[joemandadman189]

I learned the value of having a cash stockpile in the brokerage account that is ready to be deployed when things go south like that, Instead of DCA-ing all funds in keep some cash on the sidelines to take advantage of downturns

Soooo . . . . you're market timing?

You love to pick fights, don't you

I am highly argumentative and often feel a burning need to prove other people wrong when they're wrong.  :P

No, its not market timing. Here is an example

Say you like Google stock (or any stock) and want to build a position over time and you have $1,000 a month to invest. Every month you DCA into your stock/fund of choice but with only half of your available contribution amount, in this example $500 and you save the other $500. When Google, or your stock of choice, falls below 20% (10% is probably better for VTSAX or VOO) below the 52 week high, you double down and buy $1,000 on the same time interval. The idea is you still dollar cost average into your investment, and increase contributions when it is "on-sale". Tom Nash on youtube has several videos describing the process in much more and better detail

Being an argumentative pedant, I'll bite.  I get that you have a strategy you're following (and think I understand the gist of it) . . . but how is that not market timing?  You're sitting back on half of your investment money the majority of the time.

In my mind, and i may be wrong, this strategy is half DCA and half "enhanced" DCA or supercharged DCA under certain pricing conditions. Its like buying an extra ketchup bottle when its on sale at the grocery store. We are always buying, always DCA-ing into the market/ETF, stock, gold, beanie babies, whatever. This strategy holds some of that investment money in liquid savings to be made available when your investment of choice is some percentage below its 52 week high (10-20%). Here is an example with Nvidia, its 52 week high is ~$153, 20% below that price is $122.4. From late february to early May the stock price was below $122.4, during this time, with this strategy, instead of buying X dollars of the stock, you would buy 2X, and once the price rose above $122.4 in mid May, you go back to buying X.

Speaking directly to bolded above, you have a point with the broader market or SP5000. This strategy may not be the best for the SP500 or VTSAX as its a little harder to implement with much smaller price fluctuations compared to single stocks. VOO over the last year had a 5% drop in april 2024, 6% drop in August 2024, 5% drop in January 2025 and the nearly 20% drop in april 2025 providing few opportunities to "double down".

[dandarc]

You're investing periodically (not DCAing because you don't actually have the money in hand to make the choice between DCA and lump-sum) with half the money you've got coming in and deciding to time the market with the other half.

Also - dollar-cost-averaging is just timing the market by another name anyway (well if we're being kind - "marketing scam to get reluctant investor's money to flow through me so I get a comission or sell my book at least" is another definition you could use). Think about it - I have $120k in hand, could invest today or I could choose to delay, instead investing $10k per month. What is that other than betting that the market is going to go down sufficiently to make this delay strategy work? Delay the TIME I invest because I think it will be better later.

[joemandadman189]

You're investing periodically (not DCAing because you don't actually have the money in hand to make the choice between DCA and lump-sum) with half the money you've got coming in and deciding to time the market with the other half.

Also - dollar-cost-averaging is just timing the market by another name anyway (well if we're being kind - "marketing scam to get reluctant investor's money to flow through me so I get a comission or sell my book at least" is another definition you could use). Think about it - I have $120k in hand, could invest today or I could choose to delay, instead investing $10k per month. What is that other than betting that the market is going to go down sufficiently to make this delay strategy work? Delay the TIME I invest because I think it will be better later.

Ok, we can argue definition of terms if you want, but the end result doesn't matter to me. Generally, we all buy stocks and ETFs when we get paid by W-2 work on some sort of time interval, every week, two weeks, twice a month, whatever. We can call that timing the market or DCA or insert your term, the end result is you consistently invest over time. What i took away from the last down turn, is that i would like to maintain some cash reserves in the brokerage account to take advantage of periodic drops in specific stocks or ETFs that i like according to a set strategy, improving or reducing the cost basis of the investment. Call it timing the market, call it buying on sale, call it stupid, i dont care, that was my takeaway from the recent market drop. No one has to agree on my takeaway, its just an internet strangers opinion. 

[dandarc]

End result is that you're highly likely to do worse than just buying as your money comes in and not keeping excess cash reserve because you're convinced these "sales" happen often enough to make this strategy work.

Don't mistake luck for skill - if it was that easy to get better results than buying and holding, then the opportunity wouldn't last long.

[charis]

I think people say "buying on sale" because it's more palpable than market timing.  But they are definitely the same thing. It's been shown that time in the market is the winning strategy, not trying to time the dips.  However, some folks like to play around a bit or don't feel the need to optimize every situation - I can think of worse things to do with one's extra $.

[Jack0Life]

Jan 31 2024.
Not much is new. Bracing for the tariffs.
Wife did get a transfer to a new department and she loves it.
It's 10x better than the old job and got a 12% raise.
She was going to work a couple of more years and call it quit but this job is a gift.
I told her my goal is to pay off the main house this house and call it quit. She can work as long as she wants.


Rental       300,000- Paid off. Zillow has this house at $360k
Primary     266,084- Valued this house at $550k(Zillow $585k). Will sell for more.(maybe LOL)
                              $550k- minus selling fee and balance owed.
                               I started paying down on this house. Rate will go up to 5.99% in Oct.
                              Still owe ~264k. I will use all my funds in the CDS to paid this down before the rates go
                              up. Still short about 30k so I'm working to paid that off.
Assets        85,000- 3 paid off cars. Some gold, other valuables.
Land          85,000- Land + camper. Spent $100k.
HSA           59,995
IRA-roth     173,322
IRA            128,282
Inx funds    216,481
401k          36,991
Wife 401k   100,623- This number was wrong on the last update(it was somewhere in the $80k. She just
                                got a nice 401k matching from last year.
Wife HSA    18,990
Wifes IRA    155,361
 Cash          32,041
Etrade        28,005
Pension       30,120- I added this. Cash value of small pension I have.
Vanguard-   229,536 - Most are all CDs and MM all over 5% interests. Was thinking of moving some of this to some Index funds but I will leave it here as long as the interests are still over 5%.

$1,935,755 - Net Worth.
$1,669,707 - Without primary home.
$1,145,546- INVESTED.

June 24 2024.
Wasn't going to update until the end of the month but we hit a milestone.
Just $2 millions net worth as of June 24th
The way the market was going didn't think we will hit it this year.
I told my wife I was going to retire end of the year but she loves her job and she likes to stay for a few more years.
It didn't make sense for us to continue living in the same house as traffic is terrible so we decided to move further away from the city but still 15 mins from her job.
Wasn't going to buy until we sell our current home but we found one will really like so we made the jump.
It's a cash deal and we didn't have all the cash so we took out a HELOC on the current house.
We will have to bear the 6.99% for a few months until we sell the house.
The new house is actually cheaper than our current home so we will gain after all this.


Rental       300,000- Paid off. Zillow has this house at $360k
Primary     316,424- Valued this house at $550k(Zillow $585k). Will sell for more.(maybe LOL)
                              $550k- minus selling fee and balance owed.
                               I started paying down on this house. Rate will go up to 5.99% in Oct.
Assets        85,000- 3 paid off cars. Some gold, other valuables.
Land          85,000- Land + camper. Spent $100k.
HSA           60,359
IRA-roth     174,348
IRA            130,098
Inx funds    218,720
401k          37,390
Wife 401k   106,865
Wife HSA    22,226
Wifes IRA    156,733
 Cash          30,120

Etrade        5,352
Pension       30,120- I added this. Cash value of small pension I have.
Vanguard-   241,506 - So this money is in the MM and I was going to use this to pay off the house as our rate will reset at 5.99% but we are buying another house with cash. We will use this and the HELOC to purchase the house.

$2,004,703 - Net Worth.
$1,688,279 - Without primary home.

[dandarc]

Well done @Jack0Life !

[Jack0Life]

Well done @Jack0Life !

Thank You Sir.
Wife keep moving the goal post.
At first we thought $1 million was enough, then it's $1.5.
We didn't think we could hit $2 millions because she quit working but then she got a decent job.
Now she loves her job so she wants $2.5 millions now.

[jmutt]

JUN 2025 NW: 1.7M
JAN 2024 NW: 1.4M
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

[/quote]

[dandarc]

Well done @Jack0Life !

Thank You Sir.
Wife keep moving the goal post.
At first we thought $1 million was enough, then it's $1.5.
We didn't think we could hit $2 millions because she quit working but then she got a decent job.
Now she loves her job so she wants $2.5 millions now.

How'd you manage "wife got decent job?" part. Need that to happen and it just isn't.

[Jack0Life]

Well done @Jack0Life !

Thank You Sir.
Wife keep moving the goal post.
At first we thought $1 million was enough, then it's $1.5.
We didn't think we could hit $2 millions because she quit working but then she got a decent job.
Now she loves her job so she wants $2.5 millions now.

How'd you manage "wife got decent job?" part. Need that to happen and it just isn't.

She had graduated with a finance degree but got a job(worked 2 years) in the different field and she hated it.
I told her to quit and she did.
A recruiter reached out to her for a job(had quit for over 1 yr) at an custodial bank and she's like why not try since that's her field.
She went through 4 interviews and got the job.
Worked a year and she didn't like that job either.
She met another girl(became lunch buddies) in another department and she told her they were hiring.
She interviewed for that and got the job.
This job she loves. Easy, relaxing and flexible.
Wants to keep going and tells me I can quit anytime. Haha.