I only really track my 401k balance and only for the last couple years.
In my 20s I put something like 10% in and thought I was doing great (better than average), we also tackled 1 student loan, 2 car loans, credit card debt, and bought our 1st home (now a rental). For the last several years I have only been putting 6% (plus a company match) into the 401k, while we saved for a wedding, down payment on a house, started a family, went to 1 steady income and 1 self employed income, and are continuing the last student loan. We are still working on paying off my last student loan and building the self employed income but I am really hoping to hit $100k in the 401k sometime in 2018, if the self employed income starts taking off and we can contribute more to an IRA I will add that into the calculations too.
I did do a quick back of the envelope net worth calculation that included debt, primary and rental home value, and vehicle value and that put net worth around $150k, but since I don't regularly track that stuff I don't want to join the next group until the retirement accounts are above $100k.
401K IRA Total
Dec 2013: $43,660 $0 $43,660
Dec 2014: $52,943 $0 $52,943
Dec 2015: $55,622 $0 $55,622
Dec 2016: $68,870 $700 $69,570
Feb 2017: $74,784 $700 $75,484
4/11/17: $76,834 $1002 $77,836
Apr 2017: $78,946 $1026 $79,972
5/24/17: $80,007 $1040 $81,047
6/05/17: $82,048 $1057 $83,105
7/21/17: $84,508 $1075 $85,583
8/02/17: $85,737 $1075 $86,812
9/01/17: $86,830 $1079 $87,909
10/02/17: $89,275 $1100 $90,375
I had a goal of $90k in the 401k by the end of the year, only $800 shy of that!!
