Author Topic: Race from 10 to 100k!!  (Read 1197826 times)

Treedream

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Re: Race from 10 to 100k!!
« Reply #3900 on: January 05, 2023, 12:17:26 PM »
01/06/2018: -€60
01/01/2019: €2875.28
01/07/2019: €9288.2
01/08/2019: €10.485.05
01/09/2019: 11554.85
28/09/2019:  €12.182,10
24/10/2019: €13.082.24
26/11/2019: €14,311.49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

I have been pretty AWOL from this forum and this thread, since I have had a few years with limited employment and life happening. I am glad to see that I am back where I started XD. Its a couple of days early, but these seem to be the numbers for now:

November 22: € 21,636.38 +€ 972.77.

This is a very good month and I have been very diligent with the budget. Also we have received a high energy prices subsidie from the governement, which helps a lot.

01/01/2023: € 22,315.45 +€ 679.07

I put a lot of money into savings this month, but the market didn't help. I also prepaid a whole year of health insurance, which was about another 1250, so I am pretty pleased with the end of the year. IN part due to unsuspected bonus from the boss. Love me some bonus.

Tass

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Re: Race from 10 to 100k!!
« Reply #3901 on: January 31, 2023, 09:18:25 AM »
201720182019202020212022
January$12.1k$24.7k$49.0k$76.2k$95.4k
February$13.6k$27.2k$46.5k$79.0k$95.0k
March$15.1k$29.3k$42.7k$82.6k$96.4k
April$16.6k$31.3k$47.5k$87.3k$90.3k
May$17.7k$31.5k$50.6k$88.2k$89.7k
June$18.5k$33.3k$53.5k$90.3k$84.4k
July$6.2k$20.2k$35.1k$58.5k$92.0k$92.4k
August$6.8k$20.8k$36.7k$63.0k$94.4k$89.6k
September   $8.2k$22.2k$38.6k$63.2k$93.1k$81.4k
October$9.0k$21.7k$40.2k$62.9k$97.1k$86.3k
November$9.9k$22.5k$42.6k$69.9k$95.1k$90.8k
December$11.1k   $22.4k   $44.6k   $75.0k   $100.3k$94.7k

Over a year after first, briefly touching $100k, and over 5 years after first entering this race, today I am leaving with $103.3k!

The jump is helped partly by my new, higher income, but significantly more by market gains following a year of chucking money in despite seeing no return.

ETA my first post in this thread:

Joining for the new year, and I'll probably be here for a while... As of this month I am debt-free and I'm narrowly on-track to max out my ROTH by April. My spreadsheet says I won't hit 100k until 2024.

I'm not going to join the next race because I'm planning to combine finances with my partner in a few months anyway, but it feels good to have hit this milestone all on my own. Thanks for the camaraderie everyone!
« Last Edit: January 31, 2023, 09:22:42 AM by Tass »

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #3902 on: January 31, 2023, 09:21:16 AM »
January 2022 - $67,992
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117

January 2023 - $74,355

When I looked at the numbers yesterday I was over $75K (dang it), but this is still a new net worth high!

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #3903 on: January 31, 2023, 09:22:55 AM »
Over a year after first, briefly touching $100k, and over 5 years after first entering this race, today I am leaving with $103.3k!

The jump is helped partly by my new, higher income, but significantly more by market gains following a year of chucking money in despite seeing no return.

I'm not going to join the next race because I'm planning to combine finances with my partner in a few months anyway, but it feels good to have hit this milestone all on my own. Thanks for the camaraderie everyone!

Congrats, @Tass!  :)  We'll miss you around these parts!

Serendip

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Re: Race from 10 to 100k!!
« Reply #3904 on: January 31, 2023, 11:36:06 AM »

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan'23   88,732

almost at a new high but not quite-- excited to reach 100k this year.
 Will need to stay on track (and also have separate savings for travel :))

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3905 on: February 01, 2023, 12:17:29 AM »
Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461


Goal for 2023: EUR 60K

Very good month. The markets were really good! Since we have booked several flights/accomodations for our holidays and it needs to be paid in February, next month I expect a movement downwards. But still on track to the goal for 2023.

@Serendip: I will cheer with you. You are getting so close to the 6 figure number. Keep up the savings!

@Tass: Graduation is 1 year earlier than you expected when joining the thread. Impressive!!!! Now the next stop is getting to 200 together with your partner!

@LittleWanderer: a new high! This gives energy to get to even more new highs in the next months.


comicguy

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Re: Race from 10 to 100k!!
« Reply #3906 on: February 01, 2023, 03:42:32 AM »
January update
01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
« Last Edit: February 01, 2023, 03:44:09 AM by comicguy »

Ze Stash

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Re: Race from 10 to 100k!!
« Reply #3907 on: February 01, 2023, 06:27:34 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 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)

01/02/2023: 59.646,67 € (+3.171,61 €)

First time there were 2 green months in a row since last April. Savings were roughly negative 1 k€ in January though, as we had some expected spending due to the move in February.
[/quote]

regenaeb

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Re: Race from 10 to 100k!!
« Reply #3908 on: February 01, 2023, 06:34:46 AM »
8/31/21 - SEP + Roth $ 27,113.71
12/31/21 - SEP + Roth $ 31,239.32

1/31/22 - SEP+401K+Roth $ 30,322.94
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60

triple7stash

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Re: Race from 10 to 100k!!
« Reply #3909 on: February 01, 2023, 09:02:36 AM »
Tracking investing in SPN (which doesn't include roth)

12/28/2020 - $62,783
1/28/2021 - $67,335
2/28/2021 - $69,404
3/28/2021 - $71,869
4/28/2021 - $77,861
5/31/2021 - $79,885
6/30/2021 - $82,843
7/28/2021 - $85,130
8/29/2021 - $87,558
9/30/2021 - $87,127
10/28/2021 - $92,699
11/28/2021 - $95,021
12/28/2021 - $96,703
2/2/2022 - $93,977
2/28/2022 - $91,712
3/28/2022 - $96,748
4/28/2022 - $90,642
5/28/2022 - $91,036
6/29/2022 - $89,116
7/28/2022 - $92,360
9/1/2022 - $92,750
9/28/2022 - $85,710
10/28/2022 - $91,816
11/28/2022 - $99,644
2/1/2023 - $102,693.54

Woot! Forgot to check for 2 months and made it 🙌🏼🙌🏼🙌🏼
Godspeed for everyone :)

TyGuy

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Re: Race from 10 to 100k!!
« Reply #3910 on: February 01, 2023, 06:23:44 PM »
Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

la Condessa

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Re: Race from 10 to 100k!!
« Reply #3911 on: February 02, 2023, 06:47:48 AM »
EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88


EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.
« Last Edit: February 02, 2023, 08:04:44 AM by la Condessa »

la Condessa

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Re: Race from 10 to 100k!!
« Reply #3912 on: February 02, 2023, 07:44:18 AM »
Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

Awesome!

Treedream

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Re: Race from 10 to 100k!!
« Reply #3913 on: February 03, 2023, 06:55:57 AM »
01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21

Nice result this month, due to the market moving quite a bit. Didn't save as much money as I hoped, but I am stockpiling money for a bigger hobby-expense. Trying to stay strict with myself for that one.
« Last Edit: February 03, 2023, 06:58:54 AM by Treedream »

DieHard_772

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Re: Race from 10 to 100k!!
« Reply #3914 on: February 03, 2023, 10:07:34 AM »
Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456 (currently at 0% interest)


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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)

My largest single month increase, my new personnel high for net worth, and oh so close to graduating this thread. Unless there is a big down turn in the market I should be graduating from this thread next month with a bit of buffer. It is exciting for me to see such large increases and it almost feels surreal! Congrats to everyone else as it appears many of you had exceptional months as well!

Congrats @TyGuy

tacticalteam4

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Re: Race from 10 to 100k!!
« Reply #3915 on: February 03, 2023, 01:11:25 PM »
I’ve been focusing on investing over paying off debts in my 4 years of saving. We’ve built a nice nest egg that should buy us a few years without employment if needed. I will track my net worth here, excluding house equity.

2/3/23: $7,700 - first time positive since getting married

M5

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Re: Race from 10 to 100k!!
« Reply #3916 on: February 07, 2023, 12:56:47 PM »
08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)
12/08/22: $97,814 (+7120)
01/04/23: $99,198 (+1384)
02/07/23: $109,222 (+10,024)

On to the next!

comicguy

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Re: Race from 10 to 100k!!
« Reply #3917 on: February 14, 2023, 05:41:27 PM »
08/11/22: $95,366
09/07/22: $90,774 (-4592)
11/04/22: $90,694 (-80)
12/08/22: $97,814 (+7120)
01/04/23: $99,198 (+1384)
02/07/23: $109,222 (+10,024)

On to the next!

Great Job, I'll be there someday!

Serendip

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Re: Race from 10 to 100k!!
« Reply #3918 on: February 24, 2023, 08:38:41 AM »
Good job everyone!

Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500 !!

Ay carumba.

This month was a big push to put money into RRSP's before the deadline combined with the fact that I'm in a no-buy/low-buy year
(also bought & paid off plane tickets for June).  I didn't make all this money in one month, some was moved out of little emergency accounts that weren't counted in this challenge before (ie..an envelope with cash and a little hidden-from-me online fund..ha) but am still feeling inspired.
« Last Edit: February 25, 2023, 08:41:50 AM by Serendip »

Rytrik

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Re: Race from 10 to 100k!!
« Reply #3919 on: February 26, 2023, 08:17:30 PM »
02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494

regenaeb

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Re: Race from 10 to 100k!!
« Reply #3920 on: February 28, 2023, 11:35:52 AM »
12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42

Another up and down month in the market. I contributed $1,450.00 this month, but only have a $181 gain. Oh well, keep on contributing and waiting for the market upturn.

LittleWanderer

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Re: Race from 10 to 100k!!
« Reply #3921 on: February 28, 2023, 02:07:05 PM »
February 2022 - $69,486
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355

February 2023 - $75,352

Finally passed the $75K mark (for now!)

comicguy

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  • Posts: 144
Re: Race from 10 to 100k!!
« Reply #3922 on: February 28, 2023, 04:52:24 PM »
Feb update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3923 on: March 01, 2023, 03:27:16 AM »
Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213


Goal for 2023: EUR 60K

This is the downwards movement that I planned for. Paid all outstanding travel expenses (we will travel in April, May AND July.....) and paid off all credit cards, so from now on it's upwards only for the rest of the year (hopefully.....).

@M5 : congrats! You made it!
@regenaeb : I feel the same. I make my regular contributions, but markets are slow....... I keep waiting for the market to recover.....

Treedream

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Re: Race from 10 to 100k!!
« Reply #3924 on: March 01, 2023, 12:33:00 PM »
01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21

01/03/2023: € 24.052,03 +€ 781,37
In terms of savings this was a better month than last month, more than 30%! But in Jan, the market helped and in Feb they stayed flat. So it seems like the previous one was better.

All in all a good month. I also got the news that my parents will help me buy a house, which is fantastic. Its gonna eat a lot of this liquid money, but I'll be able to buy a home :D despite being a single earner.
« Last Edit: March 01, 2023, 12:34:47 PM by Treedream »

TyGuy

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  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3925 on: March 01, 2023, 01:10:19 PM »
Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456
02/01/23: $21,456
03/01/23: $21,456 (currently at 0% interest)


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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)

Maintained a good savings rate again last month, but honestly, I'm happy to be able to continue to buy stocks on sale.

Ze Stash

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  • Age: 31
Re: Race from 10 to 100k!!
« Reply #3926 on: March 02, 2023, 07:35:45 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 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)

01/03/2023: 60.002,28 € (+ 355,61 €)

Another tiny step in the right direction. Markets took another downturn and we bought the kitchen of the previous renters in our new place. My share of that was close to 2k €, so actually quite happy that the numbers still went up this month (some of the cost was offset by selling the kitchen in the old place, but that one was crappy and way less €€). We finished our move last weekend. February was really hectic with renovating the new place to be fit to move in, so I'm looking forward to some months just coasting along.

jnw

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Re: Race from 10 to 100k!!
« Reply #3927 on: March 03, 2023, 06:58:36 AM »
Hi :) I think this is my first post in this thread.   I am at $87,800.  Getting close! :)  All my assets are currently fixed income, home equity etc. so it will be a steady ride.

Serendip

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Re: Race from 10 to 100k!!
« Reply #3928 on: March 25, 2023, 07:09:53 PM »
Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216

So close! Starting a low-buy year has made a big difference in my savings rate.
Just need to see how much GST I need to pay for taxes and then I'll hopefully hit this goal in the next month or two





Rytrik

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Re: Race from 10 to 100k!!
« Reply #3929 on: March 26, 2023, 05:00:00 PM »
02022/06/01 - $29,000
02023/01/01 - $31,750
02023/02/26 - $33,494
02023/03/26 - $34,054.29
« Last Edit: March 26, 2023, 05:09:50 PM by Rytrik »

regenaeb

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Re: Race from 10 to 100k!!
« Reply #3930 on: March 31, 2023, 07:29:35 AM »
12/31/21 - SEP + Roth $ 31,239.32
12/31/22 - 401k + Roth $ 34,080.56

1/31/23 - 401k + Roth $ 37,633.60
02/28/23 - 401k + Roth $ 37,815.42
03/31/23 - 401k + Roth $ 40,426.24


jnw

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Re: Race from 10 to 100k!!
« Reply #3931 on: March 31, 2023, 12:55:42 PM »

Mar '23  97,216

So close! Starting a low-buy year has made a big difference in my savings rate.
Just need to see how much GST I need to pay for taxes and then I'll hopefully hit this goal in the next month or two

Very nice!  I'm at around 88k now.. add 2k more starting next month so around 90k.

Good job to everyone else as well.

getsorted

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Re: Race from 10 to 100k!!
« Reply #3932 on: March 31, 2023, 07:39:45 PM »
Looking at my net worth over the last three years always makes me feel very accomplished.

May 15, 2020: $5,972
March 31, 2023: $72,766.

Most of that is real estate value from buying a house at a very good price at a very good time, but I still feel pretty good about it.

That said, the last year has been pretty static and it's time to get much more serious about socking away cash.

comicguy

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  • Posts: 144
Re: Race from 10 to 100k!!
« Reply #3933 on: April 01, 2023, 04:17:56 AM »
March update

01/26/22  Round Up 642.33    Investment  9911.44   Total 10553.77
02/26/22  Round Up 752.42    Investment 12408.26  Total 13160.68
03/25/22  Round UP 897.57    Investment 17291.64  Total 18189.21
04/30/22  Round up 971.36    Investment 18713.79  Total 19685.15
05/29/22  Round up 1083.32  Investment 20117.98  Total 21201.30
06/30/22  Round up 1132.77  Investment 21500.10  Total 22632.87
07/30/22  Round up 1372.95  Investment 22042.54  Total 23415.49
08/31/22  Round up 1459.92  Investtment 23530.05 Total 24989.97
09/30/22  Round up 1448.77  Investment  23662.64 Total 25111.41
10/31/22  Round up 1653.35  Investment  27970.70 Total 29624.05
11/20/22  Round up 1888.20  Investment  30821.32 Total 32709.52
12/31/22  Round up 1930.61  Investment  30827.38 Total 32757.99

1/31/23   Round up 2191.57   Investment  34746.35 Total 36937.92
2/28/23   Round up 2250.62   Investment  34618.49 Total 36869.11
3/31/23   Round Up 2414.73   Investment  38034.42 Total 40449.55

TyGuy

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  • Age: 29
  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3934 on: April 01, 2023, 03:05:39 PM »
Student Loan Debt

01/12/19: $43,762
05/04/20: $21,456
05/04/21: $21,456
05/01/22: $21,456
11/01/22: $21,456
12/01/22: $21,456
01/01/23: $21,456
02/01/23: $21,456
03/01/23: $21,456
04/01/23: $21,456 (currently at 0% interest)


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)
09/02/21: $57,319 ($5,027)
10/01/21: $58,555 ($1,236)
11/01/21: $60,397 ($1,842)
12/01/21: $59,891 (-$506)
01/01/22: $63,049 ($3,148)
02/02/22: $64,213 ($1,164)
03/02/22: $69,640 ($5,427)
04/01/22: $74,568 ($4,928)
05/01/22: $70,648 (-$3,920)
06/01/22: $74,612 ($3,964)
07/01/22: $69,696 (-$4,916)
09/01/22: $77,432 ($7,736)
10/01/22: $71,791 (-$5,641)
11/01/22: $77,883 ($6,093)
12/01/22: $85,811 ($7,928)
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)
04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

jnw

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Re: Race from 10 to 100k!!
« Reply #3935 on: April 01, 2023, 06:53:29 PM »
01/01/23: $87,715 ($1,904)
02/01/23: $98,317 ($10,602)
03/01/23: $96,917 (-$1,400)
04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Congratulations!  I should be on the next thread in about 4 or 5 months I figure.  At around $91k.

la Condessa

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Re: Race from 10 to 100k!!
« Reply #3936 on: April 01, 2023, 06:57:55 PM »
EF cash: $3,500

Vanguard Roth IRA: $7,517.95

Robinhood: $94.48

= $11,112.43

EF cash: $3,500

Vanguard Roth IRA: $9,310.32

Vanguard tIRA: $1,983.07

Robinhood: $209

= $15,002.39

EF : $3500

Roth IRA: $8,921.13
tIRA : $5,708.08
tIRA : $2,279.00

Robinhood : $239.28

=$17,146.49

EF : $1650

Roth IRA : $7741.74
tIRA : $5537.45
tIRA : $6072.85

Robinhood : $201.84

=$21,203.88


EF : $2,580

Roth IRA : $8,282.52
tIRA : $5,993.05
tIRA : $8,981.68

Robinhood : $220.47

=$26,057.72

Real progress!  Partly the market and partly executing the plan.  And partly my husband really getting fully on board for the first time.  He’s doing awesome.  We’re on track to finish filling the IRAs for last year before the cutoff.

EF : $2,880.06

Roth IRA: $8,218.34
tIRA: $5,934.85
TIRA: $11,311.82

Robinhood: $217.06

=$28,562.13

Serendip

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Re: Race from 10 to 100k!!
« Reply #3937 on: April 01, 2023, 10:33:33 PM »

04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Amazing job-- it's a huge accomplishment! congrats!

TyGuy

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  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3938 on: April 02, 2023, 02:22:02 PM »
Congratulations!  I should be on the next thread in about 4 or 5 months I figure.  At around $91k.

Thank you, I look forward to see you there!

TyGuy

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  • Age: 29
  • Location: Oregon
Re: Race from 10 to 100k!!
« Reply #3939 on: April 02, 2023, 02:22:55 PM »
Amazing job-- it's a huge accomplishment! congrats!

Thank you!

Dutch Comfort

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Re: Race from 10 to 100k!!
« Reply #3940 on: April 03, 2023, 12:09:55 AM »
Tracking cash savings and liquid investments (so excluding pensions and house value and my DH cash savings, since he has his own account which I'm not tracking)

December 2020: EUR 25,141
December 2021: EUR 40,501
December 2022: EUR 50,344

January 2023: EUR 52,461
February 2023: EUR 50,213
March 2023: EUR 51,197


Goal for 2023: EUR 60K

Just a nice and steady month. Nothing major happening, just the regular additions to the accounts. April will be challenging, since we will be travelling a little and I will try to stick to the budget!
Did all the taxes in March, so hoping to get a nice refund in april, although that will be used to repay our mortgage (which is not in this overview).

@TyGuy : CONGRATS!!!!! You made it!


Ze Stash

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Re: Race from 10 to 100k!!
« Reply #3941 on: April 03, 2023, 02:36:49 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 €)
01/02/2021: 39.128,65 € (+1.592,29 €)
01/03/2021: 43.488,25 € (+4.359,60 €)
01/04/2021: 50.227,75 € (+6.739,50 €)
01/05/2021: 50.942,27 € (+   714,52 €)
01/06/2021: 45.969,23 € (- 4.973,04 €)
01/07/2021: 47.887,98 € (+1.918,75 €)
01/08/2021: 50.361,49 € (+2.473,51 €)
01/09/2021: 55.538,44 € (+5.176,95 €)
01/10/2021: 55.405,64 € (-    132,80 €)
01/11/2021: 62.397,76 € (+6.992,12 €)
01/12/2021: 62.957,50 € (+   559,74 €)
01/01/2022: 62.444,54 € (-    512,96 €)
01/02/2022: 57.130,55 € (- 5.313,99 €)
01/03/2022: 59.780,50 € (+2.649,95 €)
01/04/2022: 63.814,15 € (+4.033,65 €)
01/05/2022: 60.816,35 € (- 2.997,80 €)
01/06/2022: 55.643,44 € (- 5.172,91 €)
01/07/2022: 49.784,34 € (- 5.859,10 €)
01/08/2022: 56.777,07 € (+6.992,73 €)
01/09/2022: 56.724,00 € (-     53,07 €)
01/10/2022: 55.855,44 € (-   868,56 €)
01/11/2022: 57.699,49 € (+1.844,05 €)
01/12/2022: 56.415,91 € (- 1.283,58 €)
01/01/2023: 56.475,06 € (+    59,15 €)
01/02/2023: 59.646,67 € (+3.171,61 €)
01/03/2023: 60.002,28 € (+  355,61 €)

01/04/2023: 63.066,29 € (+3.064,01 €)

Savings were slightly negative, but stocks and BTC recovery lead to an increase. This month should be less spendy. Last time there were 4 green months in a row was in the beginning of 2021.

LittleWanderer

  • Bristles
  • ***
  • Posts: 490
  • Location: USA
Re: Race from 10 to 100k!!
« Reply #3942 on: April 04, 2023, 02:59:44 PM »
04/01/23: $105,349 ($8,432)

Looks like it is time to head over to the next thread, thank you all for following along with me, this feels like a very large accomplishment for me! I hope to see you all on the next thread soon, I will stop back by to cheer you all on!

Super awesome!!!  Congrats, @TyGuy !

LittleWanderer

  • Bristles
  • ***
  • Posts: 490
  • Location: USA
Re: Race from 10 to 100k!!
« Reply #3943 on: April 04, 2023, 03:01:13 PM »
March 2022 - $73,422
April 2022 - $68,808
May 2022 - $67,948
June 2022 - $63,619
July 2022 - $67,137
August 2022 - $67,643
September 2022 - $64,126
October 2022 - $66,872
November 2022 - $71,859
December 2022 - $70,117
January 2023 - $74,355
February 2023 - $75,352

March 2023 - $76,441

Little late reporting in this month, but here I am.  Still slowly going up.  :)

Treedream

  • Stubble
  • **
  • Posts: 187
  • Location: Netherlands
Re: Race from 10 to 100k!!
« Reply #3944 on: April 17, 2023, 01:07:13 PM »
01/06/2018: -€60
01/01/2019: €2.875,28
01/07/2019: €9.288,20
01/08/2019: €10.485,05
01/09/2019: €11.554,85
28/09/2019: €12.182,10
24/10/2019: €13.082,24
26/11/2019: €14,311,49
01/02/2020: €15.260
29/04/2020: €18.544
31/05/2020: €21.280,05

Big gap

01/12/2022: € 21.636,38 +€ 972.77.
01/01/2023: € 22.315,45 +€ 679.07
01/02/2023: € 23.270,66 +€ 955.21
01/03/2023: € 24.052,03 +€ 781,37

01/04/2023: € 24.755,50 +€ 703,47

Decent month last month, even though I spend a lot on hobby items. The next 3 months are going to be "sav, save, save" as I am in the process of buying a home. My total net worth is going to go up a lot soon, but that will be due to my parents gifting towards my house. Its a bit weird. They are giving more than I am worth in all the world (monetarily). But I realize I am incredibly lucky to have the help and support. Up and Up.

Serendip

  • Handlebar Stache
  • *****
  • Posts: 2200
Re: Race from 10 to 100k!!
« Reply #3945 on: April 27, 2023, 06:08:06 PM »
Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

« Last Edit: April 27, 2023, 06:12:38 PM by Serendip »

Trifle

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  • Posts: 5815
  • Age: 57
  • Location: Outside, NC, US
    • In The Garden
Re: Race from 10 to 100k!!
« Reply #3946 on: April 28, 2023, 04:01:21 AM »

Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.


Congratulations @Serendip!!!!  You made it.  Very well done!

Treedream

  • Stubble
  • **
  • Posts: 187
  • Location: Netherlands
Re: Race from 10 to 100k!!
« Reply #3947 on: April 28, 2023, 05:08:32 AM »
Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

Serendip

  • Handlebar Stache
  • *****
  • Posts: 2200
Re: Race from 10 to 100k!!
« Reply #3948 on: April 28, 2023, 08:13:09 AM »
Thanks @Trifele & @Treedream !

Congrats! that is a massive achievement! The first hundred is the hardest I hear all the time. Anything you are doing to celebrate?

The mental hurdle might be the hardest component of that first 100k--my family talks a lot about their lack of finances :)

Could've made better choices along the way (I can veer either austere or spendy; also took poor advice from a friend and lost a chunk *should've known better*) but I'm celebrating by being proud of this and aiming onwards & upwards.

catorbe

  • Stubble
  • **
  • Posts: 121
  • Location: ND
Re: Race from 10 to 100k!!
« Reply #3949 on: April 28, 2023, 08:21:19 AM »
Dec '17    18,146
Jan '18     23,607
Dec '18    48,380
Dec '19    60,746
Jan '20     63,186
July '20    58,562
Dec '20    62,900

Jan '21    65,400
Mar '21    68,750
July '21   79,020
Aug '21   82,801

Dec ‘21   84,800
Jan '22   83,500
Mar '22  88,775
Apr '22  78,000 **big hit

Aug '22  83,006
Dec '22  87,113
Jan '23   88,732
Feb '23  94,500
Mar '23  97,216
Apr '23  100,655!!!!!

Well, of all things! Super excited to reach this goal. Amazed really.

The next few months will be very slow income-wise due to dental work, time off, travel & all the life stuff so will hesitantly bump myself into the next race..will need to get a bit more of a buffer before I feel like I actually truly have graduated. All the best to everyone!  :)

You and I have been on a very similar pace to get to $100,000 and our timing of dips and market issues has been step for step. I just got paid today and my Mint says about $99,500, but with a mortgage coming out and a few other things to be paid I figured i'd better wait until the next paycheck to cross myself off of this thread. Congrats to you, i'm coming in right behind ya! My buffer situation is a little different. I've been battling to get that $100k figure, but as soon as I do it on my own I'm going to finally start counting an ESOP from my employer as i'm about to be fully vested, and there's a little bit of money in there that will officially be mine, so i'll leapfrog up the totem pole a little bit once that happens. But again I just wanted to do the 100k on my own first! Congrats again!