Author Topic: Race from 10 to 100k!!  (Read 883352 times)

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3300 on: December 10, 2020, 12:30:24 PM »
                    401K          IRA          Total
Jan 2018:   $1,050        $1,230      $2,280
Jan 2019:   $6,800        $3,500      $10,300
Jan 2020:   $12,100      $6,600      $18,700
Feb 2020:   $12,500      $6,500      $18,000
Mar 2020:   $12,700      $6,100      $18,800
Apr 2020:   $12,100      $5,100      $17,200
Aug 2020:  $21,200       $6,800     $28,000
Nov 2020:  $29,000       $7,500     $36,500

Hopefully I'll start contributing to my IRA in January. My discretionary spending has been a little out of hand.

Way to go @soily.  It is SO cool that you are jumping on this, keep it up

mgardner88

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Re: Race from 10 to 100k!!
« Reply #3301 on: December 10, 2020, 01:26:23 PM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)

Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(

mountain mustache

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Re: Race from 10 to 100k!!
« Reply #3302 on: December 11, 2020, 06:15:05 AM »

10/02/2020- $14835.83
11/13/2020- $16110.56
12/11/2020- $16675.72

I felt like all I did was spend money the past month, so pretty surprised there is any increase at all. I picked up a side job, so I'm excited to start making bigger saving progress every month!

catorbe

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Re: Race from 10 to 100k!!
« Reply #3303 on: December 11, 2020, 08:08:19 AM »
I broke over $10,000 on 9/9/2018. I'm up to $25k as of 2/17/2019.

All said, I'm increasing my NW by about 2k a month based on those figures and would hit 100k in about 37 months putting it out to about March 2022. I believe with an upcoming raise, bonus, and other small windfalls that come and go, I'm looking at a goal of December 31st 2021 to hit 100k. Current salary is 49k.

This is a portion of my first post into this thread, and surprisingly my goal is still on track fairly accurately as of now. Lots of things have changed, but the NW is about 62,000 so doing good!

TyGuy

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Re: Race from 10 to 100k!!
« Reply #3304 on: December 11, 2020, 10:21:26 AM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)

Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(

Congratulations, elimination of debt is a huge milestone!

Tinker

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Re: Race from 10 to 100k!!
« Reply #3305 on: December 12, 2020, 03:13:44 AM »
Woohoo, xmas-bonus :)

i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?

Imma

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Re: Race from 10 to 100k!!
« Reply #3306 on: December 12, 2020, 03:32:30 AM »
Woohoo, xmas-bonus :)

i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?

I'm going for 100k in . That's a bit more than 100k $ at this point, but if I would convert the amounts to $ every month, my progress would be linked to the exchange rate.

Feivel2000

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Re: Race from 10 to 100k!!
« Reply #3307 on: December 12, 2020, 03:16:15 PM »
Woohoo, xmas-bonus :)

i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?

In Euro. But good point, in $ it would be (currently) easier...

Manchester

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Re: Race from 10 to 100k!!
« Reply #3308 on: December 14, 2020, 05:49:33 AM »
Woohoo, xmas-bonus :)

i noticed some EUR and GBP being thrown around. Are you guys racing to 100k in your local currency or converting to USD like i do?

I use GBP and I'm aiming for 100k, rather than $100k.  It's more simple if I keep everything, including targets & goals, in my local currency.

haypug16

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Re: Race from 10 to 100k!!
« Reply #3309 on: December 14, 2020, 01:15:32 PM »

Wow, $130k in improvement in just over 3 1/2 years. Not too shabby, @haypug16

Thanks :) I'm pretty proud. For a while I was heading in the oppisite direction but really happy to have found MMM and worked hard to turn things around.

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3310 on: December 14, 2020, 03:13:23 PM »

Wow, $130k in improvement in just over 3 1/2 years. Not too shabby, @haypug16

Thanks :) I'm pretty proud. For a while I was heading in the oppisite direction but really happy to have found MMM and worked hard to turn things around.

@haypug16 Yeah I get it. It's like we're riding this wave of life, and we're trying to fill up our buckets with water (ie savings/investing) while also trying not to get knocked overboard or sunk (expenses etc). It can feel a little like trying to build a house on quicksand, lol... Yet we need to keep doing what we know to do, trusting we are on the perfect sand on the beachfront building our dream home.

Life is a trip, and you are doing great!
Best

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3311 on: December 14, 2020, 03:14:40 PM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)

Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(

Way to go @mgardner88

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3312 on: December 15, 2020, 12:42:50 AM »
Tracking investments, emergency fund and additional pension investments (all to be used to retire together with SO!)
(not tracking company pension investments, house value and current accounts)

15 May 2020: EUR 17,034
15 Jun 2020: EUR 18,160
15 July 2020: EUR 18,809
5 August 2020: EUR 18,332
10 September 2020: EUR 18,999
15 October 2020: EUR 19,604
13 November 2020: EUR 22,707
15 December 2020: EUR 23,325

All Christmas shopping is done, and still an increase this month! No yearend bonus here (Covid impact, I'm just glad my job still exists) but did a transfer from my emergency fund to my pre-tax pension. This will give a nice tax refund next year. Now back to fully funding my emergency fund in 2021, while keeping a small increase in my investments.
Now we're back in a more strict lockdown here in Dutchieland, so no extreme spending in the next couple of weeks. Just the ordinary grocery shopping once a week.

All graduates: congrats! We hope to be able to follow you soon for the next challenge.
All newbies: welcome. You already reached the first 10K. This is the boring period where we only continue doing what we started to get to the first 10K in order to get to 100K.

Wishing you all a healthy holiday period and see you in 2021! (my goal for 2021 is EUR 35K...... there, I said it......)

mgardner88

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Re: Race from 10 to 100k!!
« Reply #3313 on: December 15, 2020, 12:49:28 PM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)

Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(

Congratulations, elimination of debt is a huge milestone!

Thank you! Hate that i let it hang around so long. glad that its gone.

mgardner88

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Re: Race from 10 to 100k!!
« Reply #3314 on: December 15, 2020, 12:51:12 PM »
7/1/2020: $46,295
8/1/2020: $49,461 (+3,166)
9/1/2020: $51,488 (+2,027)
10/1/2020: $52,753 (+1,265)
11/1/2020: $53,942 (+1,189)
12/1/2020: $56,152 (+2,210)

Finally paid off the last of our debts so savings rate should go up in January. But also have some pretty big home expenses coming up in the spring aka a new roof :(

Way to go @mgardner88

Thank you DieHard! Cant wait to funnel all that payment into something more productive

Feivel2000

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Re: Race from 10 to 100k!!
« Reply #3315 on: December 15, 2020, 02:06:50 PM »
103.130
+ 6.173

~3.000 of the increase comes from updating my Unit-Linked Life Insurance. I am saving 281 into this thing every month but only get the current amount once or twice per year. The rest was saving and market increase.
Thank you everyone for having me here, I am going to the next thread, even though I am only a small reset away from falling back... Participating here is sooo rewarding!

Next year I am shooting for a 50% savings rate. I am going to create a Case Study (or Journal). See you all at the next thread!


          2020
          2021
          2022
          2023
Jan
-
-
-
-
Feb
-
-
-
-
Mar
-
-
-
-
Apr
-
-
-
-
May
-
-
-
-
Jun
-
-
-
-
Jul
87.134
-
-
-
Aug
88.989
-
-
-
Sept
90.473
-
-
-
Oct
90.093
-
-
-
Nov
96.957
-
-
-
Dec
103.130
-
-
-


Spoiler: show
        Assets
             
         Debts
             
Flat
+ 84.000
Mortage
- 76.083
Unit-Linked Life Insurance
+ 50.288
Fixed-Term Deposit
+ 2.000
ETFs
+ 27.628
Stockpicks
+ 8.809
Peer-To-Peer
+ 2.559
Crypto
+ 3.929

TerrierTown

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Re: Race from 10 to 100k!!
« Reply #3316 on: December 15, 2020, 04:50:19 PM »

Feivel2000

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Re: Race from 10 to 100k!!
« Reply #3317 on: December 15, 2020, 10:29:17 PM »
You've already reached 100k in $$$.
Congratulations!

Manchester

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Re: Race from 10 to 100k!!
« Reply #3318 on: December 16, 2020, 04:02:41 AM »
Congrats @Feivel2000

Good luck in the next thread! :)

Manchester

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Re: Race from 10 to 100k!!
« Reply #3319 on: December 18, 2020, 09:25:12 AM »
Slightly earlier update than normal as I get paid early next week ahead of Christmas.

My N/W has increased by 1,629.06 to a new total of 40,702.18.

As I've been furloughed recently my pay had decreased again, so my tangible cash has reduced slightly, but my investments are up.  So thanks to the crazy market I've hit my goal of surpassing 40k this year.

I can't help but feel like this has been a wasted year.  My N/W only rose by 12,400.  The pandemic has cost me tens of thousands of pounds in wages.  My wedding had been pushed back a year (which was a shame as we both wanted to start our family ASAP).  Although it's frustrating I also realise I'm in a very fortunate position where I'm not concerned about money.  Finding MMM over 3 years ago has undoubtedly prepared me for this period. 

I'm hoping that 2021 is more positive for everyone.  For me personally I want to make a bigger improvement than this year, and my incredibly ambitious target is for my N/W to grow by 25k. 

Merry Christmas to you all and thank you for the encouragement over the past 12 months.

dizzy

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Re: Race from 10 to 100k!!
« Reply #3320 on: December 20, 2020, 06:53:51 PM »
Got some paychecks on the way!

Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854
11/11/20- $53709
12/23/20- $64158

Paychecks should be here no later than this Weds- works said they would submit early.
Finally got paid for a gig the first week of September.  Realized also that I hadn't been counting crypto investments which is another cool $960.  Nothing major.  I had a bunch of housecalls although it's now ended.  Couple nice end of year tips from patients which is awesome (also a generous Etsy gift card which is super perfect...tho I'm going to save it for the wedding-or-whatever-we're-calling-it stash)
Don't plan to have any more income after Wednesday- taking some well-deserved time off in the woods to rest up for the new year.

I will say I've been lazy tho with bank bonuses lately, but my partner is wanting me to help him and it's a reminder to get on it myself.  I did a ton in the first half of the year but not as much since.

Woo-ness.  Happy holidays- y'all keep crushing it into 2021.

Triple7Stash

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Re: Race from 10 to 100k!!
« Reply #3321 on: December 28, 2020, 07:52:51 AM »
Hi Everyone! First post :)

Thought I'd throw my hat in the ring.  Mainly so I could track my 457/401k in a consolidated place for easy viewing month over month.

12/28/2020 - $62,783

hal

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Re: Race from 10 to 100k!!
« Reply #3322 on: December 28, 2020, 12:48:20 PM »
Got some paychecks on the way!

Oct 2019- $1000
Nov 2019- $2340
Dec 2019- $2779
Jan 2020- $5658
Feb 2020- $5539
Mar 2020- $5024
Apr 2020- $5444
May 2020- $8302  (wherein I finally got some of unemployment)
June 2020- $20864 (wherein I got more unemployment plus the EIDL)
mid July 2020- $31724 (got the rest of the backpay, woohoo!)
7/31/20- $33340
9/2/20- $36366
9/17/20 - $42978
10/2/20- $43800
10/31/20- $47854
11/11/20- $53709
12/23/20- $64158

Paychecks should be here no later than this Weds- works said they would submit early.
Finally got paid for a gig the first week of September.  Realized also that I hadn't been counting crypto investments which is another cool $960.  Nothing major.  I had a bunch of housecalls although it's now ended.  Couple nice end of year tips from patients which is awesome (also a generous Etsy gift card which is super perfect...tho I'm going to save it for the wedding-or-whatever-we're-calling-it stash)
Don't plan to have any more income after Wednesday- taking some well-deserved time off in the woods to rest up for the new year.

I will say I've been lazy tho with bank bonuses lately, but my partner is wanting me to help him and it's a reminder to get on it myself.  I did a ton in the first half of the year but not as much since.

Woo-ness.  Happy holidays- y'all keep crushing it into 2021.

This is awesome progress in just over a year! Impressive!

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3323 on: December 29, 2020, 12:50:36 PM »


Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/28/20 - $70,737
12/28/20 - $72,895

$50k improvement in our NW in 2 1/4 years. :)

Today for the first time ever I set aside 30% of my gross income for investments and savings.  I admit I was a little nervous
about it, it feels like letting go of the oars a bit and trusting that all will work out.  But I'm thrilled.
 Score for increased savings rate!





DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3324 on: December 29, 2020, 01:03:00 PM »


Next year I am shooting for a 50% savings rate. I am going to create a Case Study (or Journal). See you all at the next thread!


Great job @Feivel2000.  Congrats and keep it going

0tp

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Re: Race from 10 to 100k!!
« Reply #3325 on: December 29, 2020, 06:55:22 PM »
Hi all,

New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.

Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.

I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.

Date                  Bank        Brokerage   401k    roth         student loans   Net
12/29/2019   2389           19835   52506   16500   -20000   71230
7/4/2020         4169            9746   30107   11721   -20000   35743
12/1/2019          11013   0          16159   1054           -26500   1726


Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom  for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.

Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...


Pretty proud of this year, hope I can keep it up :)
« Last Edit: December 30, 2020, 08:11:44 AM by 0tp »

regenaeb

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Re: Race from 10 to 100k!!
« Reply #3326 on: December 30, 2020, 10:13:32 AM »
Well I officially hit $10,000 at the end of last month, but waited until the end of this month to post in the new thread. I am super happy to be moving on up to this thread.

11/30/20 - SEP Balance $ 15524.45 + Roth $ 1770.76 - Student loan balance $ 6897.45 = $ 10,397.76
12/30/20 - SEP Balance $ 16106.09 + Roth $ 1813.94 - Student loan balance $ 6306.71 = $ 11,613.32

Hoping 2021 is a great year for saving!

hal

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Re: Race from 10 to 100k!!
« Reply #3327 on: December 30, 2020, 11:28:21 AM »
Hi all,

New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.

Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.

I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.

Date                  Bank        Brokerage   401k    roth         student loans   Net
12/29/2019   2389           19835   52506   16500   -20000   71230
7/4/2020         4169            9746   30107   11721   -20000   35743
12/1/2019          11013   0          16159   1054           -26500   1726


Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom  for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.

Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...


Pretty proud of this year, hope I can keep it up :)

Welcome! you sound well on your way. I'm envious about when you found FIRE and started your journey. Your low rent is amazing.

hal

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  • Posts: 89
  • Location: NC
Re: Race from 10 to 100k!!
« Reply #3328 on: December 31, 2020, 08:50:30 AM »
Overall, not a bad pace. Looking forward to 2021. These are measured on the morning of the last day of the month. Hoping to meet the $100k invested goal in 2021. Pace may slow a tad because I had some cash sitting aside to invest... my savings rate in December was 83% and that is unlikely to hold. I'll probably be more about 65% savings rate per month in 2021. I also recognize that the cash amount on hand may seem high, but I normally invest ~4k on the first few days of the next month.

Onward!

MonthInvested TNW
Aug 2020$7,009.45$44,173.61
Sep 2020$11,791.74$44,286.81
Oct 2020$31,492.96$64,282.56
Nov 2020$41,576.98$73,480.24
Dec 2020$50,880.91$81,261.12
« Last Edit: December 31, 2020, 08:52:54 AM by hal »

shinn497

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Re: Race from 10 to 100k!!
« Reply #3329 on: December 31, 2020, 09:32:57 AM »
March 19 10450
Apr 19     12500
May 19    14800
June 19   17031
July 19    20100
Aug 19    23300
Sept 19   26300
Oct 19     29300
Nov 19    30500
Dec 19    33800
Jan 20     37100
Feb 20     37100
March 20 38413
Apr 20     32000
May 20     37000
June 20    42500
July 20     46300
Aug 20     50200
Sept 20     53400
Oct 20       55700
Nov 20      62000
Dec 20      66300
Jan 21       71500

Welp posting my Jan numbers a day early but I Don't see much changing in between now and tomo.  2020 was a good year :D

GatorNation

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Re: Race from 10 to 100k!!
« Reply #3330 on: December 31, 2020, 09:54:23 AM »
I can finally join this club.  At the beginning of the year, my wife and I decided to get our finances in order and work on paying down our massive student loans.  We make a combined income of approx. $200k.  We are in our early 30s with a young child.  Started the year with a -$106,695.56 net worth and 11 months later (Dec 1 2020) have a net worth of $16,441.11.  A $123k increase in overall NW.  Below is the breakdown.

Assets       Jan 1, 2020        Dec 1, 2020
W sav      $21,593.00           $22,458.00
H sav       $5,097.00            $10,086.00
W 401k   $13,596.22            $25,825.00
H 401k    $38,325.11           $54,615.48
W iras       $2,757.33            $3,157.00
H ira          $10,610.22        $12,147.51
W other     $10,510.00         $597.76
H other      $3,430.67           $3,927.48
H HSA       $5,133.69            $8,722.00
home value$277,250.00   $287,050.00
car value   $16,000.00   $14,856.00
Total        $404,303.24   $443,442.23

Liabilities            Jan 1, 2020      Dec 1, 2020
H student loan    $64,753.43       $0.00
W student loan   $246,590.47     $234,450.59
mortgage           $195,574.90     $192,550.53
Credit Card        $4,080.00         $0.00
Total                 $510,998.80   $427,001.12
      
NW                   -$106,695.56   $16,441.11

Today's net worth: $26k

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #3331 on: December 31, 2020, 02:04:29 PM »
December 2019 - $34,820
January 2020 - $36,392
February 2020 - $35,701
March 2020 - $32,466
April 2020 - $36,157
May 2020 - $38,540
June 2020 - $39,514
July 2020 - $42,207
August 2020 - $44,045
September 2020 - $44,514
October 2020 - $45,564
November 2020 - $50,152

December 2020 - $52,356

It feels really good to be over halfway now.  I started from zero in the beginning of 2017, so that's 4 years of progress. 

Tass

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  • Working on a PhD...
Re: Race from 10 to 100k!!
« Reply #3332 on: January 01, 2021, 12:31:37 AM »
Jul 17$6.2k
Aug 17$6.8k
Sept 17$8.2k
Oct 17$9.0k
Nov 17$9.9k
Dec 17$11.1k
Jan 18$12.1k
Feb 18$13.6k
Mar 18$15.1k
Apr 18$16.6k
May 18$17.7k
Jun 18$18.5k
Jul 18$20.2k
Aug 18$20.8k
Sept 18$22.2k
Oct 18$21.7k
Nov 18$22.5k
Dec 18$22.4k
Jan 19$24.7k
Feb 19$27.2k
Mar 19$29.3k
Apr 19$31.3k
May 19$31.5k
Jun 19$33.3k
Jul 19$35.1k
Aug 19$36.7k
Sep 19$38.6k
Oct 19$40.2k
Nov 19$42.6k
Dec 19$44.6k
Jan 20$49.0k
Feb 20$46.5k
Mar 20$42.7k
Apr 20$47.5k
May 20$50.6k
Jun 20$53.5k
Jul 20$58.5k
Aug 20$63.0k
Sept 20$63.2k
Sept 20$62.9k
Nov 20$69.9k

Dec 20: $75.0k

My paycheck came early this week to make this a surprise 27-paycheck year. I never expected to have this much money at this point in my life.

sebi13

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Re: Race from 10 to 100k!!
« Reply #3333 on: January 01, 2021, 02:02:49 AM »
Jul 17$6.2k
Aug 17$6.8k
Sept 17$8.2k
Oct 17$9.0k
Nov 17$9.9k
Dec 17$11.1k
Jan 18$12.1k
Feb 18$13.6k
Mar 18$15.1k
Apr 18$16.6k
May 18$17.7k
Jun 18$18.5k
Jul 18$20.2k
Aug 18$20.8k
Sept 18$22.2k
Oct 18$21.7k
Nov 18$22.5k
Dec 18$22.4k
Jan 19$24.7k
Feb 19$27.2k
Mar 19$29.3k
Apr 19$31.3k
May 19$31.5k
Jun 19$33.3k
Jul 19$35.1k
Aug 19$36.7k
Sep 19$38.6k
Oct 19$40.2k
Nov 19$42.6k
Dec 19$44.6k
Jan 20$49.0k
Feb 20$46.5k
Mar 20$42.7k
Apr 20$47.5k
May 20$50.6k
Jun 20$53.5k
Jul 20$58.5k
Aug 20$63.0k
Sept 20$63.2k
Sept 20$62.9k
Nov 20$69.9k

Dec 20: $75.0k

My paycheck came early this week to make this a surprise 27-paycheck year. I never expected to have this much money at this point in my life.

Good for you! By quickly stalking your profile for a bit, I noticed quite some similarities between the two of us -- around the same age (24), somewhat similar NW (I have 48k$ for now, but I guess at the end of 2021 I'm where you are now), and we are both working on a PhD.
I'm interested: What field are you doing your PhD? How long have you been working on it and when do you plan to finish?

Stubblestache

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Re: Race from 10 to 100k!!
« Reply #3334 on: January 01, 2021, 03:51:40 AM »

July 2018: 20,385
October 2018: 24,504
January 2019: 25, 295
April 2019: 33,844
July 2019: 38,667
October 2019: 38,588
January 2020: 43,260
April  2020:  38,094
July 2020: 49,062.35
August 2020: 50,172 just over halfway! :)
Sept 2020: 55,556
Oct 2020 : 56,42
Nov 2020: 57.565 absolute hammering in the markets this month!!!
Dec 2020 : 62,368

Jan 2021 64,542

Happy new year everyone! So great to see us all moving towards that 100k!

Tinker

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Re: Race from 10 to 100k!!
« Reply #3335 on: January 01, 2021, 03:55:17 AM »
Stocks, even in ETF-form, have been a wild ride this year. Happy we came back up as hard as we went down - and got our discounted buys for a few months ;)
1. Jan 2019€4,822
1. Jan 2020€19,078
1. Jan 2021€48,231

« Last Edit: January 01, 2021, 03:58:12 AM by Tinker »

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3336 on: January 01, 2021, 08:32:23 AM »
Stocks, even in ETF-form, have been a wild ride this year. Happy we came back up as hard as we went down - and got our discounted buys for a few months ;)
1. Jan 20194,822
1. Jan 202019,078
1. Jan 202148,231

I second that, @Tinker

Ze Stash

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Re: Race from 10 to 100k!!
« Reply #3337 on: January 01, 2021, 10:48:54 AM »
Net worth:
01/01/2019: -    109,47
01/02/2019:      269,41 (+   378,88 )
01/03/2019:      890,47 (+   621,06 )
01/04/2019:   1.767,70 (+   877,23 )
01/05/2019:   3.755,46 (+1.987,76 )
01/06/2019:   4.814,83 (+1.059,37 )
01/07/2019:   5.959,50 (+1.144,67 )
01/08/2019:   7.116,94 (+1.157,44 )
01/09/2019:   9.855,39 (+2.738,45 )
01/10/2019:   9.718,18 (-    137,21 )
01/11/2019: 10.726,98 (+1.008,80 )
01/12/2019: 11.773,70 (+1.046,72 )
01/01/2020: 12.979,27 (+1.205,57 )
01/02/2020: 14.363,54 (+1.384,27 )
01/03/2020: 15.039,09 (+   675,56 )
01/04/2020: 15.456,74 (+   417,65 )
01/05/2020: 16.903,74 (+1.447,00 )
01/06/2020: 17.847,51 (+   943,77 )
01/07/2020: 19.991,35 (+2.143,84 )
01/08/2020: 23.859,77 (+3.868,42 )
01/09/2020: 27.705,58 (+3.845,81 )
01/10/2020: 28.348,92 (+   643,34 )
01/11/2020: 29.975,77 (+1.626,85 )
01/12/2020: 32.157,81 (+2.182,04 )

01/01/2021: 37.536,36 (+5.378,55 )

Closed out the year with the largest monthly increase to date. Close to 2k of that increase was in the crypto position which exploded in the last 3 months though, so I fully expect that to decrease again. 1,5k was from a tax free "Coronabonus" that employers are allowed to pay their employees here. Even though the crypto part of the portfolio rose from less than 5 % to more than 15 % I'll hold until the summer at least, to avoid paying taxes on the gains. If held more than 12 months any gains from crypto are tax free in Germany, same as gains from Gold.

Net worth increased by 24.557,09 compared to January 1st of last year. This is crazy to me, as my net pay was only close to 31k. The growth is unlikely to be this high in 2021, as I sold some stuff in 2020 which helped with the increase, received a few unexpected monetary gifts from family and will need to spend a few grand on professional certification/training this year. If I pass my exams though, I'll greatly increase my earnings potential.

Apart from having to cancel vacations and not getting to see friends and family as much as I'd liked 2020 was a great year for me, as me and my family and friends luckily didn't catch Covid.

Wishing a great 2021 that hopefully allows a return to the lives we want to lead without fear of getting or spreading the illness, social distancing and economic hardships to everyone in this thread.

jdhansen

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Re: Race from 10 to 100k!!
« Reply #3338 on: January 01, 2021, 11:46:36 AM »
6/14/2020  $50,099
7/1/2020    $51,768
8/1/2020    $56,146
9/5/2020    $59,010
10/2/2020  $62,038
10/30/2020 $61,623
12/3/2020  $70,606.90
1/1/2021    $72,663

December turned out a bit better than expected.  Even though we weren't able to add any money still got $2,000 in growth.  Now to prepare for 2021 and moving to a new town for a new job.  Going to be an interesting January with packing up all our stuff and selling our first home.  Luckily we are moving to an LCOL area and our new rent is half a mortgage payment.  Hopefully, that will let us turbo charge to get us to the goal by 2022.

Hope everyone continues with their paths to success.

catlady

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Re: Race from 10 to 100k!!
« Reply #3339 on: January 01, 2021, 11:49:04 AM »
 
2020
25 Sept
 
$11 699.98
25 Oct
 
$15 171.88 (+$3,471.9)
25 Nov
 
$17,631.78 (+$2,459.90)
25 Dec
 
$22,462.17 (+$4,830.39)

Spoiler: show
 Includes emergency fund, my RRSP and SO RRSP

Rosy

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Re: Race from 10 to 100k!!
« Reply #3340 on: January 01, 2021, 11:58:50 AM »

Our Investments and Savings (not including checking accounts)

9/28/18  - $22,949
10/28/18 - $23,952
11/28/18 - $27,878
1/28/19 - $28,853
2/28/19 - $31,682
3/28/19 - $32,684
4/28/19 - $35,011
5/28/19 - $35,838
6/28/19 - $38,276
7/28/19 - $40,607
8/28/19 - $40,508
9/28/19 - $42,168
10/28/19 -$42,209
11/28/19 - $44,478
12/28/19 -$46,408
1/28/20 - $49,115
2/28/20 - $50,466
3/28/20 - $48,609
4/28/20 - $55,026
5/28/20 - $59,256
6/28/20 - $60,807
7/28/20 - $64,342
8/28/20 - $65,454
9/28/20 -  $65,495
10/28/20 - $67,282
11/28/20 - $70,737
12/28/20 - $72,895

$50k improvement in our NW in 2 1/4 years. :)

Today for the first time ever I set aside 30% of my gross income for investments and savings. 

I admit I was a little nervous
about it, it feels like letting go of the oars a bit and trusting that all will work out.  But I'm thrilled.
 Score for increased savings rate!

Good to see you doing so well @DieHard_772 - cheers to a fabulous 2021!

Rosy

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Re: Race from 10 to 100k!!
« Reply #3341 on: January 01, 2021, 12:06:25 PM »
Hi all,

New to the forum, but been working on FIRE for the past 2 years. I graduated from college in december 2018, and started an engineering job end of january 2019, I am 25 now. I started off with pretty much no savings (< $5K), around $10K in credit card debt and ~30K in student loans, and moved to a new town to start my job. Luckily I have a killer deal for rent ($265/mo + $80-100 in utilities, due to splitting with 1 roommate), paid cash for a $3.5K car in december 2018 that's been pretty reliable (on the MMM list :)). Bought a car because I live 5-10 miles from work, work is a chemical plant so I hope I get excused for not wanting to live right next to it lol, no properties for rent nearby anyways.

Since a year before graduating I knew FIRE was one of my top goals, prior to that I did not save as much as I could have in college. Even though I went to community college I kinda spent all the extra money on weed and going out, and then once I transferred I lived in a studio for 2 years instead of having roommates. But hey at least I found this path before getting a job.

I'm making good money ($75K starting, now at $82.5K + bonus ($5K this year)), and saving a lot of it. Employer matches 5% of salary plus $5K/yr on 401K. Really started buckling down this year, maxing 401K and roth IRA in addition to investing what's left over. I'd say I earn the money, technically on call 24/7 and can be a stressful job, but average <50 hr/week. Managed to invest a lot of cash right around the COVID dip, and also refinanced my 401K to be 100% VTI equivalent right around then... Sitting at around 12% ROI for the year, all stocks.

Date                  Bank        Brokerage   401k    roth         student loans   Net
12/29/2019   2389           19835   52506   16500   -20000   71230
7/4/2020         4169            9746   30107   11721   -20000   35743
12/1/2019          11013   0          16159   1054           -26500   1726


Target NW is $500K, goal is to live off <$20K/yr. Also planning on helping mom  for her retirement (~$500/mo). Not sure what my savings rate is right now since I don't follow a budget, but I'm mostly optimized relative to my income. Based on my calculations I should reach that NW around age 30-31, but I guess a lot of things can change by then. Also goal isn't to necessary RE at that age - I'd honestly be happy doing something like baristaFIRE for a few years.

Comments on a few spending categories
- cell phone (on ATT plan,pay $40/month, in theory can cut to $20 with mint given my usage and looking at doing that soon - edit: phone isn't compatbile with mint, will probably wait for mine to be dead prior to switching)
- car use (can WFH 50% of the time, don't bike as often as I could since 5-10 miles each way is above comfort range + midwest winter). Somewhat clown, but I bike for errands ~2-3x/week in non-winter months.
-utilities: internet is $50/month for the cheapest fiber option, and then the $150 is just for electricity which is high (split between 2). It's a smallish apartment, not sure what we can do to improve significantly, but plan on doing more investigating this year. - edit: realized my electric bill is around $75/mo, remaining $75 is water, sewage and taxes.
- food: I eat a vegetarian diet which is cheap, don't eat out too frequently (~1-2x/month) since there aren't that many worthwhile options, and when I do it's fast food. My 'splurging' on food would consist of grocery store bought processed food and liquids but I've been getting better about cutting those off
- mindless consumption: I am prone to buying dumb things I don't need or will use. Getting better, and will hopefully continue being considerate for my wallet and the planet. This is where my biggest opportunity is I think (1-3K/yr), I'm going to start budgeting to better understand it.
-travel: I am sort of over travel even pre covid. I still have to travel 1-2x/yr to see family, and outside of that would probably do a vacation somewhere 1-2x/yr with my SO, but nothing expensive.
- student loans: are at 4.5%, I'd refinance but doesn't make sense with the interest/payment moratorium and political climate. As soon as those are lifted I'll probably pay off $10K and refi the remaining 10 (getting ~2.7% fixed rate refi offer on credible/MMM link), unless student loan forgiveness is picking up steam...


Pretty proud of this year, hope I can keep it up :)

Welcome to MMM @0tp - congrats on a great start in life! If you stick around you'll get there in no time!
MMM is a great place to help you stay motivated and on track financially.

Rosy

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Re: Race from 10 to 100k!!
« Reply #3342 on: January 01, 2021, 12:30:28 PM »
GOAL - $100K by Jun 2021

$  4,588 June 2017
$ 10,117 Dec 2017

$ 10,715 Jan 2018
$ 31,034 Dec 2018
       
$ 31,094 Jan 2019
$ 50,000 Dec 2019

$ 53,000 Jan 2020
$ 85,000 Dec 2020

UPDATE - revised plan for 2021, changed projected time to reach goal from Dec to June 2021 and numbers no longer incl EF or operational funds. 
$ 89,307 Jan 2021 - Projected
Breakdown: 78,400 (CDs) + 5,150 (T-Mo) + 5,757 (Jan - new savings account)

Oh my goodness - I am getting within shouting distance of $100K!

HAPPY NEW YEAR 2021! Good Luck to everyone!
« Last Edit: January 02, 2021, 03:13:50 PM by Rosy »

mckaylabaloney

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Re: Race from 10 to 100k!!
« Reply #3343 on: January 01, 2021, 03:03:29 PM »
6/1/2020: $19,606.73
7/1/2020: $26,480.37
8/1/2020: $40,657.65
9/1/2020: $52,868.32
10/1/2020: $53,926.77
11/1/2020: $61,241.09
12/1/2020: $78,742.07
1/2/2021: $124,124.66

Well, okay then! A large year-end bonus plus another good month in the markets made December quite a month. Obviously it was a great year for me financially, even though it was hard in lots of other ways. I'm very grateful to have retained my employment when so many did not.

Happy New Year to all -- best of luck to everyone and I'll see you soon in the next thread!
« Last Edit: January 01, 2021, 03:07:21 PM by mckaylabaloney »

Trifele

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Re: Race from 10 to 100k!!
« Reply #3344 on: January 02, 2021, 02:47:13 AM »
6/1/2020: $19,606.73
7/1/2020: $26,480.37
8/1/2020: $40,657.65
9/1/2020: $52,868.32
10/1/2020: $53,926.77
11/1/2020: $61,241.09
12/1/2020: $78,742.07
1/2/2021: $124,124.66

Well, okay then! A large year-end bonus plus another good month in the markets made December quite a month. Obviously it was a great year for me financially, even though it was hard in lots of other ways. I'm very grateful to have retained my employment when so many did not.

Happy New Year to all -- best of luck to everyone and I'll see you soon in the next thread!


Holy shite did you burn up this thread @mckaylabaloney -- Well done!  You are well on your way to freedom.  I would say "good luck" in the next thread, but you don't need it.  You're on a mission! 

shrimpwd

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Re: Race from 10 to 100k!!
« Reply #3345 on: January 02, 2021, 07:22:26 AM »
New table for a new year!


                       2018                2019                2020                2021                2022               
January$6,455-$14,460$34,473-
February--$14,991--
March--$14,632--
April-$10,960$13,884--
May--$17,011--
June--$19,255--
July--$20,358--
August--$21,993--
September--$23,312--
October--$24,777--
November-$13,466$26,407--
December$9,518-$30,697--

hal

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Re: Race from 10 to 100k!!
« Reply #3346 on: January 02, 2021, 07:44:18 AM »
6/1/2020: $19,606.73
7/1/2020: $26,480.37
8/1/2020: $40,657.65
9/1/2020: $52,868.32
10/1/2020: $53,926.77
11/1/2020: $61,241.09
12/1/2020: $78,742.07
1/2/2021: $124,124.66

Well, okay then! A large year-end bonus plus another good month in the markets made December quite a month. Obviously it was a great year for me financially, even though it was hard in lots of other ways. I'm very grateful to have retained my employment when so many did not.

Happy New Year to all -- best of luck to everyone and I'll see you soon in the next thread!

Congrats!

JCGreen

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Re: Race from 10 to 100k!!
« Reply #3347 on: January 02, 2021, 11:30:42 AM »

I do not include my savings to buy expensive "fun items" like new cellphone, electronics etc. as it is not very big. My checking account is also not included as it has money I will likely spend this month. Goal for 2021 is to make it to $100K. - Aiming for June

Net worth:
2017:
Dec2017:$7800
2018
Apr2018:$13,200
Aug2018:$22,800
Sep2018: $23,645
Oct2018: $23,658
Nov2018: $23,948 (+$290)
Dec2018: $23,960 (+12)
2019
Jan2019: $27,100 (+3140)
Feb2019: $29,443 (+2343)
Mar2019: $31,603 (+2160)
Apr2019: $33,959 (+2356)
May2019: $33,933 (-$26)
Jun2019: $37,928 (+3995)
Jul2019: $39,736 (+1808)
Aug2019: $39,918 (+182)
Sep2019: $34,179 (-5739)
Oct2019: $38,091 (+3912)
Nov2019: $39,867 (+1776)
Dec2019: $43836 (+$3968)
2020
Jan2020:$45,839 (+$2003)
Feb2020:$43,345 (-$2494)
Mar2020:$39,081 (-$4264)
Apr2020:$47,551 (+$9470)
May2020:$51,613 (+$4,061)
Jun2020:$56,760 (+$5147)
Jul2020:$61,567 (+$4,807)
Aug2020:$68,102 (+$6,535)
Sep2020:$68,212(+$109)
Oct2020:$68,976 (+$763)
Nov2020:$76,790 (+$7,814)
Dec2020:$82,778 (+$5,987) 3 paycheck month, and some pretty high investment growth. I didn't max out my 401k, but I still had a pretty good year financially. $38,952 gain year over year which is about 78% of my yearly salary (I put in ~30% of my salary). Good job everyone on meeting goals!

Imma

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Re: Race from 10 to 100k!!
« Reply #3348 on: January 02, 2021, 12:22:07 PM »
April 2019: 10094.35
May 2019: 11629.87
June 2019: 12728.63
July 2019: 13021,33
August 2019: 10363,95
September 2019: 10338.28
October: 11128.59
November: 11227,46
December: 11991,27
January: 12576,72
February: 11904,39
March: 10425,32
April: 11830,70
May: 12154,67
June: 14634,19
July: 15345,09
August: 16444,46
September: 17108,60
October: 16687,93
November: 17762,62
December: 19386,94

Goals for 2020:
Savings: 5250
Investments: 14750

My stretch goal was 20k at the end of 2020. I actually didn't really think this was going to be possible unless the market really, really really helped me along. Well, it turns out I just about made it, without the market even helping out that much (gains about 2% this year which is already way more than I had expected). I ended up with a little less cash than I had wanted and a little more in investments. In 2021, money in my savings account will be a priority. I have about 3k-ish now, I had planned on 5k, and I'm thinking of saving up to 10k. Maybe not all of that this year. 10k is about a year's worth of expenses which is maybe on the high side, but on an average income I think that's the right amount of money to have. We also have some money set aside for home maintanance but I don't track that as part of my net worth, because that's designated for spending (eventually).

My goal for 2021 is 35.000. Savings 10.000 and investments 25.000. Again very ambitious, but I like a challenge. I expect the stock market might go down a bit over the coming months when the economic damage from Covid becomes clear - higher unemployment, less spending. A lot of the damage has been hidden by the stimulus programs from our government but when those end, there will be some damage.

Right now, my investments are in a post-tax brokerage account (the majority) and a bit in a pre-tax private pension account. In my country we can only put a small amount of money into a pre-tax account every year so that's not a huge amount of money. As from January 2021, I will add a pot of pre-tax pension savings from a previous employer to my tracking. It's not much, about 2000 now, but I don't work there anymore and now it's fully under my control. I can't access it until retirement age but I can make the investment decisions so I figured I should start tracking it.

TyGuy

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  • Age: 26
  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3349 on: January 02, 2021, 06:10:49 PM »
Student Loan Debt:

01/12/19: $43,762
05/04/20: $21,456
11/09/20: $21,456
12/05/20: $21,456
01/02/21: $21,456


Net Worth:

03/04/19: -$30,065
05/04/20: $10,739
06/05/20: $18,006 ($7,267)
07/05/20: $8,594 (-$9,412)
08/05/20: $9,084 ($490)
09/01/20: $13,497 ($4,413)
10/01/20: $12,283 (-$1,214)
11/01/20: $15,692 ($3,409)
12/05/20: $19,528 ($3,836)
01/01/21: $21,735 ($2,207)


I've been happy with the progress this year, especially with the purchasing of my first home and all the expenses that go along with that! The progress that everyone has made this past year continues to be an inspiration. Happy New Year, all!