Race from 10 to 100k!!

[ardrum]

Today was the day!  Below was my journey from the first month I registered a positive net worth to the finish line.  See you in the next thread!

1/1/16   $2,000
2/1/16   $4,793
3/1/16   $10,108
4/1/16   $14,574
5/1/16   $16,150
6/1/16   $19,879
7/1/16   $23,001
8/1/16   $28,667
9/1/16   $33,134
10/1/16   $35,682
11/1/16   $37,758
12/1/16   $42,243
1/1/17   $31,938
2/1/17   $36,861
3/1/17   $43,690
4/1/17   $46,035
5/1/17   $49,860
6/1/17   $53,551
7/1/17   $59,289
8/1/17   $64,996
9/1/17   $68,439
10/1/17   $73,881
11/1/17   $79,385
12/1/17   $84,711
1/1/18   $92,724
1/19/18    $100,140!!!!!!

[MrUpwardlyMobile]

Today was the day!  Below was my journey from the first month I registered a positive net worth to the finish line.  See you in the next thread!

1/1/16   $2,000
2/1/16   $4,793
3/1/16   $10,108
4/1/16   $14,574
5/1/16   $16,150
6/1/16   $19,879
7/1/16   $23,001
8/1/16   $28,667
9/1/16   $33,134
10/1/16   $35,682
11/1/16   $37,758
12/1/16   $42,243
1/1/17   $31,938
2/1/17   $36,861
3/1/17   $43,690
4/1/17   $46,035
5/1/17   $49,860
6/1/17   $53,551
7/1/17   $59,289
8/1/17   $64,996
9/1/17   $68,439
10/1/17   $73,881
11/1/17   $79,385
12/1/17   $84,711
1/1/18   $92,724
1/19/18    $100,140!!!!!!

Congrats!  That’s a big benchmark. They say the first 100k is the hardest. Now get on over to the $100k to $250k net worth thread and show em how it’s done.

[Trifle]

Congratulations Ardrum!!!!   

[zeli2033]

Congrats ardrum! So motivating.

DH received an additional check yesterday as part of his company transition so we were able to allocate additional funds toward savings:

10/31/17: $7,686
11/30/17: $18,654
12/31/17: $24,407
1/13/18: $28,518
1/19/18: $33,211

[adamsputnik]

First time poster. Reckon I fit in this thread pretty well.

Savings/investments: $30,442

Cc debt (0% apr) - $3,411
Student loans (7.9% apr) - $8,856

Total - $18,175

Currently looking to build up a 3-6 month emergency fund and then kill the remaining debt.

Seems like I goofed up my calculations, but the same principle applies. And I'm still on an upward trend.

Savings/investments: $34,886

Cc debt (total) - $7,699
Student loans (7.9% apr) - $8,827

Total - $18,350

Going to be in such better shape when the debt is gone.

[jeffeverhart383]

Howdy folks,

I've been reading the blog for a few years, but really want to make things count this year, so I'm jumping into the forums for some accountability. I should have jumped into this thread awhile ago, but might as well start here:

I've been using Personal Capital to track NW since the beginning of 2015, so we should graduate from this thread in the next few months. We've been averaging 40K + NW gains a year since then, but I feel like we could do better since we have high incomes relative to our cost of living. I'm also using a conservative estimate of our home value (total mortgage - outstanding balance), so in theory this number would be higher if using a figure closer to what Zillow states as the 'value' or even the original appraisal value from when we bought five years ago.

I'd love for this to be the year that we squash our outstanding debt (some students loans and car payments), so I'll be posting progress on the student loan payoff in that thread as well.

Jan 2018: $85,246

[MrUpwardlyMobile]

Howdy folks,

I've been reading the blog for a few years, but really want to make things count this year, so I'm jumping into the forums for some accountability. I should have jumped into this thread awhile ago, but might as well start here:

I've been using Personal Capital to track NW since the beginning of 2015, so we should graduate from this thread in the next few months. We've been averaging 40K + NW gains a year since then, but I feel like we could do better since we have high incomes relative to our cost of living. I'm also using a conservative estimate of our home value (total mortgage - outstanding balance), so in theory this number would be higher if using a figure closer to what Zillow states as the 'value' or even the original appraisal value from when we bought five years ago.

I'd love for this to be the year that we squash our outstanding debt (some students loans and car payments), so I'll be posting progress on the student loan payoff in that thread as well.

Jan 2018: $85,246

Zillow values are famously nonsense. You’re better off using your estimate.

[Wanttobehome]

Nov 2016 18595+1,296            = 19,891
Dec 2016 19,091+1,425            = 20,516
Jan 2017 19,586+1590             =  21,176
Feb 2017 20,081+1,673            = 21,754
Mar 2017 20,576+1,828            = 22,404
Apr 2017  21,071+1,890+2300  =25,261
May 2017                                   =25,779
June 2017                                  =£26,319
July 2017                                    =£27,023
August 2017                               =£27,618
September 2017                        =£28,243
October 2017.                             =£28,868
November 2017.                         =£29,486
December 2017.                         =£30,860

[martyconlonontherun]

Background:
Age: 29
"Switched" Careers at 25.
Started taking personal finances 'seriously' around 27 (aka actually saving money, 401k, etc).
Started taking personal finances seriously around 29
Salary gradually up to 65k, 68k as of End of 2017, 75k at beginning of CY18
Married but don't include house (equity/mortgage) or joint savings in these calculations since she's the boss, it gets messy with house equity/sweat equity ($40k total on a $170k house in May 17), and it will just be cherry on the top.
-Paid off car but not adding value of that in the calculation since its not worth more than a few Gs and requires maintenance
-4.5 years left of student loan payments I'm aggressively paying off/refinanced in January '17
-15 year mortgage in May '17
-Not including 529 accounts-Only a few hundred now, but it will be going to Godchildren/my future children so not my money in my eyes.

January 2016-
($45k) Student Debt
($2k) Personal CC Debt
$8k 401k
NW: ($38k)

NW April 2016: ($34K)
July 2016: ($28.4k)
October 2016: ($22.6k)
January 2017: ($20.8k) (Refinanced loan and intransit payments not reflected)
April 2017: ($10.9k)
July 2017: ($5.7k)
August 2017: ($2.5k)
September 2017:(~$1.7k)
October 2017: $1.8k - $32k
November 2017: $4.5K - Investments ~$33.8k.
December 2017: $7.9K - Investments ~$37.8k.
January 2017: $11.4K - Investments ~$39.6k.

Goal: 50k at end of year.
Hoping to increase 401k/IRA when the Sloans are paid off and hopefully some more salary. Realistic goal is to retire by 55 unless I really climb the corporate ladder.

Current  Beginning  February 2017: $14.3K - Investments ~$43.9k.

[martyconlonontherun]

I'm crashing two threads and this will be my joint account. I like my personal one since it's easier to motivate myself then my wife, but it still nice seeing the change in combined NW/Investments which is what matters.

29dh/29dw
Combined 120k income
Midwest City

09/01/2017: $65k Investments/$59k Net Worth
10/01/2017: $68.3k Investments/$65.6k Net Worth
10/27/2017: $72k Investments/$70.5k Net Worth
12/4/2017: $76.5k Investments/$81.9k Net Worth
12/29/2017: $79.1k Investments/$84.8k Net Worth

Original Goal: graduate this thread by March with NW.

1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house)

[Hirondelle]

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)

Not bad considering I paid my health insurance for the whole year this month. From next month savings should increase to >1000/month.

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)

Big jump this month thanks to getting reimbursed for uni stuff and some crazy market days early January.

[MoneyMouse]

Updating this with January numbers!

	RRSP	TFSA
Dec '17	5,500	5,500
Jan '18	5,636	5,808

Total: $11,441 (+441)

[Serendip]

Dec '17  :  $20,624
Jan '18  :   $24,000

[arob54600]

November- 41195
December- 42526

End of January - 47966

The market has gone up, anyone else waiting for the rapid downward adjustment? I could use a sale.

[vertkurt]

10/10/17
Roth VTSMX currently $8995.
TSP $0.

11/1/17
rIRA= $10,095
TSP= $121

12/1
rIRA= 10,300
TSP= 1,483

1/1
rIRA=11,301
TSP=3,404
Total = 14,705

2/1/18
rIRA=13,047
TSP=5,217
Total = 18,264

[ingrownstudentloans]

6/1/2017   $44,119
7/1/2017   $46,553
8/1/2017   $48,477
9/1/2017   $51,618
10/1/2017 $55,740
11/1/2017  $60,079 (will slow down through EOY as 401K is now maxed)
12/1/2017 $62,686.85
1/1/2018 $67,210.81 (excited to start 401K contributions back up)

2/1/2018 $76,267.84

[zeli2033]

End of January Update

10/31/17: $7,686
11/30/17: $18,654
12/31/17: $24,407
1/31/18: $35,314

Recap: DH transitioned to new company, increased 401k contributions, liquidated checking account to only float one month of expenses and put the rest in 2017/2018 Roth IRAs.

[Slow&Steady]

I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it!  I am staying in this thread because the "Invested Total" is the column that I am tracking.

Code: [Select]

        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
I am calling JAN 2018 as the official graduation from this race!!

New job started on Monday, new race officially starts today!

[Tasse]

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

I ended up shy of the 35% savings rate I'm shooting for this year - 29% is a little disappointing. A full quarter of my $1000 gain was in investment growth (doesn't count as savings). On the other hand, I had to pay for vehicle registration and smog testing, both expenses I won't have to contend with the rest of the year.

[seventytimes7]

Back at it again.  Year end bonus, gifts, stock market gains, and substantial increases in home value really helped move the needle forward. But home expenses are looming on the horizon.

2/1/2017   - ($6,832)
3/1/2017   -   $66
4/1/2017   - $ 6,298
5/1/2017   - $12,179
6/1/2017   - $17,418
7/1/2017   - $21,303
8/1/2017   - $28,136
9/1/2017   - $29,233
10/1/2017 - $35,076
11/1/2017 - $40,626
12/1/2017 - $44,564 NW - $20,282 LNW
1/1/2018   - $63,155 NW - $33,603 LNW
2/1/2018   - $86,749 NW - $48,144 LNW 

It seems kind of insane to realize that just last year I had negative net worth (and that was right after paying off $10k in cc debt). Thanks to this forum and MMM, I'm a true believer.

Question: How does everyone track home values? Both zillow and redfin show substantial gains in the home value in the few short months since I've bought it.  The neighborhood is very much "up and coming" with lots of new development going in which may account for the increases, but it almost "too good to be true" (cue the bubble).  I got a good deal on purchase price, but I'm not sure its worth "that" much more than what I paid.

Do people just use the purchase price? Do you discount the zillow/redfin model? Any ideas?  Mint obviously tracks the zillow model, but I've always thought that redfin was a little more accurate.   

[gutts]

Taxable Vanguard account + 401K:

January 3, 2018 - 16.189$
February 1, 2018 - 22.190$

Well, it is still Jan 31 but I already received my paycheck

[Jim Fiction]

Hello everyone! It is my first time posting in this thread, I just made by way over from the race to $10k thread which I just surpassed.

Here is a basic breakdown of the numbers as of the end of the day today:

Total Cash/Cash Equivalents: $31,642
Total Liabilities: $20,131

Net Worth: $11,511

Virtually all of my liabilities are student loans. I also have some minor balances on my credit cards, which I pay off monthly. I've been aggressively attacking the student loans (see my participation in the student loan challenge if curious) and have made steady progress.

As for asset composition,  20% are in checking accounts, 13% is in my HSA and 67% is in my 401k.

I'm looking forward to following everyone's progress. Good luck to us all!

Missed a month, but my net worth as of Nov 30th is $18,617.

As the year comes to a close, my next worth is up to $23,350.

Just updated my spreadsheet to record my paycheck. January ends with my networth up to $27,921.

[Svoboda]

Dec 17: 37,449
Jan 18: 40,439
Feb 18: 42,796

[L2]

I am in! The goal is to get to 100k net worth by the end of 2018. Currently at ~21k. I have been pretty good at my goals so far. Starting out after college in Dec. 2013, I believe I had about a negative net worth of 65k. My first financial goal was to get a net worth of zero by the time I received my tax refund this year and I hit it at the end of January. My second goal was to have my private student loan (6.6%) paid off by the end of July. I made it at the end of June. Next I am hoping to have the car paid off by the end of the year. Currently have a 10k balance left on that loan.

My soft goal for the end of 2017 is 35k in net worth, only because I think I'll need it to be close to that to meet the 100k goal at the end of 2018. I have not done any hard calcs at this point, but in the mean time, I should be getting annual raises of approx. 5k beginning 11/1 for 2017 and 2018. I will also be maxing out my 401k in 2018 and hopefully the ROTH IRA as well.

So I am currently at ~30,900 net worth. I've been averaging about a 2k increase per month and I've got an extra paycheck coming in for December as there will be 3 pay periods. I should be between 37-38k net worth by the end of the year. I've got a raise coming effective 11/1, but I have not been communicated the amount yet.

I've cut almost 3k in annual expenses in the past few months. Moved to a nicer, more convenient, and cheaper apartment (farther away from city center, which I don't need anymore) that will save me $87 a month. In moving there and an acquisition by my firm, I will be driving approximately 10 miles round trip a day rather than 60. Rough estimates have that at about $100 a month in gas savings. My firm is also adding a HDHP plan, which I do not know the exact details yet, but I'm guessing this will be about 1/2 the cost of the low deductible plan (estimated savings of 50/month).

I have not ran the hard numbers yet as exact figures aren't determined, but my goal of 100k NW by the end of 2018 is going to come really close. I'd guess I'm looking at being more towards 10-15k short without any gains/raise coming next year/potential promotion. Here is a question for my fellow cohorts - I have about a 5k vested pension at my previous employer. I'm going to check to see if there is any way I can roll that over into a 401k/IRA this coming week. Either way, would you include that in your net worth calc? I'm younger so pensions are not a familiar topic for me. I've read being vested means that its guaranteed to me no matter what, but I've heard of plenty of people losing their pensions (albeit not knowing specific circumstances).

Now that year end is basically here I took some time to run my numbers.

Current NW: 46,289.93
2018:
Student loan payments decreasing principal: 1,933.56
ROTH IRA Contribution on 1/1 (with 7% return estimated: 5,885
401k Contributions (with estimated DCA of 3.5% return): 19,147.50
Deferred 2017 401k employer match: 458
401k employer match (with estimated DCA of 3.5% return): 2,000
2017 tax refund estimate (with 1% Ally interest): 2,020
Addition to savings (for house downpayment):18,379.42
Estimated previous employer retirement plan increase: 500
Estimated increase in paychecks due to lower w/h from tax reform: 1,500.
Estimated increase to 2017 YE 401k balance (assuming 7%): 1273.09
Estimated increase to 2017 YE Roth balance (assuming 7%): 424.41

12/31 2018 NW estimate: $99,780.91. So it's going to be VERY close. There will certainly be some unexpected costs that creep up such as smaller medical/dental costs, registrations, licenses, car maintenance/repairs, etc. Getting there is going to heavily count on the stock market getting at least average returns. I'm working hard towards a promotion that would go into effect 11/1/18, which would hopefully net me about another 1k before 2018 YE. I also have multiple ways to get bonuses at work, albeit normally in smaller increments. I believe I already have close to 1k gross coming my way. Let's get it!

One month into 2018 and the new NW is 51,349 (with some help from the market) with an end of year projection now of $101,092. Woo hoo! I would still like to come up with another few thousand to play it safe as there will certainly be expenses come up that I don't really budget for such as medical/dental, car maintenance, registration renewals, etc.

[LittleWanderer]

November 2017 - $10,267
December 2017 - $11,208

January 2018 - $10,713

Spendy month in January, so I went backwards a bit.  I'll go backwards yet again in February (getting an implant for my new tooth - $2150 dental bill!), but after that I should be headed in the right direction. 

[Epor]

Graduation day for me! Thank you all, specially Trifele for keeping us honest.

Code: [Select]


Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM   3/17)
----------
                Total       Saved       Market G/L
01/01/18 93684.00   2136.40 908.60
02/01/18 103443.00   4675.00     5084.00




[mustache you a question]

01/17 - 9,926
02/17 - 15,869
03/17 - 21,618
04/17 - 22,738
05/17 - 29,255
06/17 - 30,880
07/17 - 40,255
08/17 - 44,722
09/17 - 48,025
10/17 - 62,340
11/17 - 67,770
12/17 - 83,785
01/18 - 87,942
02/18 - 95,169

Getting close to movin on...hopefully by this time next month I'll have graduated!

[Epor]

01/17 - 9,926
02/17 - 15,869
03/17 - 21,618
04/17 - 22,738
05/17 - 29,255
06/17 - 30,880
07/17 - 40,255
08/17 - 44,722
09/17 - 48,025
10/17 - 62,340
11/17 - 67,770
12/17 - 83,785
01/18 - 87,942
02/18 - 95,169

Getting close to movin on...hopefully by this time next month I'll have graduated!

Almost 80k in one year? That is impressive!

[Trifle]

Graduation day for me! Thank you all, specially Trifele for keeping us honest.

Code: [Select]


Jan-2014 $24,525.00
Jan-2015 $32,090.00
Jan-2016 $39,258.00
Jan-2017 $59,072.00 (found MMM   3/17)
----------
                Total       Saved       Market G/L
01/01/18 93684.00   2136.40 908.60
02/01/18 103443.00   4675.00     5084.00




Congratulations Epor!!!!!!!!  So happy for you.  [fist bump]   :)

And to the many folks just starting out in this thread -- you will get there too.  You can do this!

[dutty]

Big start to the year and some big improvements made to my office which will hopefully boost productivity (walking treadmill):

05/17   £1020
06/17   £470      (-£550 ~ -50%)
07/17   £1,590   (+£1,120 ~ +340%)
08/17   £2,080   (+£490   ~ +30%)
09/17   £7,250   (+£5,170 ~ +350%)
10/17   £12,000  (+£4,750 ~ +65%)
11/17   £12,360  (+£360 ~ +3%)
12/17   £10,800  (-£1,560 ~ -17%)
01/18  £21,300 (+£10,500 ~ +97%)

[MrUpwardlyMobile]

1/12/18 - $75,103.12
1/16/18 - $83,567.53
2/1/18 - $94,138.48

Holy crap our net worth is growing fast in Q1.  I might finish the challenge by March

[Chippewa]

05/2014   $23,258.00
05/2015   $36,029.00
05/2016   $40,963.00
05/2017   $50,076.17

6/2017 forward

06/2017   $54,550.23
07/2017   $58,225.96
08/2017   $61,384.00
09/2017   $60,759.04
10/2017   $63,483.00
11/2017   $66,867.00
12/2017   $67,186.00

01/2018   $76,401.45
02/2018   $80,197.95

kind of amazed at jump from Dec to Jan.

[peppermint]

01/2018: $40796.81
02/2018: $41337.51

January was an tough month as I had to fly home on very short notice for a family emergency. I don't regret it, but it was expensive. At least things are going in the right direction overall.

[MrUpwardlyMobile]

01/2018: $40796.81
02/2018: $41337.51

January was an tough month as I had to fly home on very short notice for a family emergency. I don't regret it, but it was expensive. At least things are going in the right direction overall.

. Every step forward counts

[snoot]

                            403b             Roth             Total
December 2017     21,066.48     44,192.03     65,258.51
January    2018     21,279.96     46,322.92     67,602.61   (+2344.1)
February  2018     22,087.45      50,702.37    72,789.82    (+5187.21)

[MrUpwardlyMobile]

                            403b             Roth             Total
December 2017     21,066.48     44,192.03     65,258.51
January    2018     21,279.96     46,322.92     67,602.61   (+2344.1)
February  2018     22,087.45      50,702.37    72,789.82    (+5187.21)

You’re not doing net worth? That’s pretty hardcore to focus purely on retirement accounts.

[Shelfside27]

Only just signed up to post but been following this thread for a while and it is a huge help to keep me on track.

Since I started tracking:

07/17: £18,831
08/17: £20,396
09/17: £23,363
10/17: £24,599


Quarter of the way there. :-)

A big jump this month thanks to an incredibly generous gift from parents towards my first home purchase. Can't quite put into words how much it means. Now I have the foundation, I need to start putting more towards an index fund ISA or SIPP as I only have my relatively low pension  pot and company shares at the moment. I also need to make sure I avoid the lure of fancy new furniture for the house.

11/17 £26,243
12/17 £27,160
01/18 £28,622
02/18 £48,272

[repman]

Nov 2017     65.000€
Dez 2017     69.000€  a frugal month and a christmas paycheck !
Jan  2018     73100€
Feb  2018     74100€

Next Milestone 100.000€ in 02 2019

I have cleaned\fixed the spreadsheet, so new entries please

[snoot]

                            403b             Roth             Total
December 2017     21,066.48     44,192.03     65,258.51
January    2018     21,279.96     46,322.92     67,602.61   (+2344.1)
February  2018     22,087.45      50,702.37    72,789.82    (+5187.21)

You’re not doing net worth? That’s pretty hardcore to focus purely on retirement accounts.

Yeah, I'm just focusing on retirement accounts for this goal. We bought our "forever home" a little over 2 years ago and never want to move. So I'm wary of including home equity in my tracking. We don't have any investments outside of retirement right now... but if/when we add them I'd probably include them here as well.

[without_a_map]

Progress!

1st Dec 17 - £16,900
1st Jan 18 - £17,650 +£750
1st Feb 18 - £18,570 +£920

I had a strong month, doing the Frugalwoods UFM really helped rein in the wasteful spending, I’m hoping to keep it up this month. Excited to hit 20k in a couple of months! Good work everyone else, keep smashing it :)

[junga]

My progress since April 2014.

April, 2014               : -$9,000
October, 2014          : $1500
December, 2015       : $20,000
December, 2016       : $48,000
September 1, 2017   : $82,000
October 1, 2017       : $87,996
November 1, 2017    : $90,085
December 1, 2017    : $94,182
January 1, 2018       : $97,318
February 2, 2018      : $104,695

Yay, we will be graduating this month.  Good luck to all of you and see you in the next race.

[grantmeaname]

Fuck yeah! Congrats and see you  in the next thread someday!

[MrUpwardlyMobile]

My progress since April 2014.

April, 2014               : -$9,000
October, 2014          : $1500
December, 2015       : $20,000
December, 2016       : $48,000
September 1, 2017   : $82,000
October 1, 2017       : $87,996
November 1, 2017    : $90,085
December 1, 2017    : $94,182
January 1, 2018       : $97,318
February 2, 2018      : $104,695

Yay, we will be graduating this month.  Good luck to all of you and see you in the next race.

congrats!

[StiffUpperLip]

Hoping to gain some momentum this year and that joining the race will help spur me on! I'm not counting any contributions to my DB works pension, just funds I control directly myself so here goes:

Jan 18:
SIPP (Self Invested Personal Pension, Mr and Mrs)= £23,150
Emergency Fund (Cash) = £16,500

Total = £39,650

Please excuse the potentially confusing Brit terms. I'm also never really sure what to include in my NW as my house is mortgaged but only worth about what we owe on it (area never really recovered post 2008 crash), plus illiquid, and the DB pension is hard to value.

Hoping to add an ISA to the mix this year as our childcare costs should fall dramatically in September when littlest turns 3.

[katthjul]

EOY 2014: €0
EOY 2015: €16,728
EOY 2016: €41,467
EOY 2017: €64,929
Jan 2017: €67,989

A nice increase this month. Am currently shifting from three funds to two funds, which means less time in the market and some trading fees.

[Overflow]

Networth Growth over the last 12 months. This includes equity.
2/1/2017   $45,014.18
3/1/2017   $50,670.45
4/1/2017   $51,983.46
5/1/2017   $53,010.18
6/1/2017   $44,969.28
7/1/2017   $49,512.95
8/1/2017   $48,798.72
9/1/2017   $50,685.95
10/1/2017   $52,982.65
11/1/2017   $52,963.21
12/1/2017   $57,942.15
1/1/2018   $60,259.05
2/1/2018   $63,267.65

I will probably still be on this thread for 2018, but early 2019 graduation seems realistic.

[Slow&Steady]

I was reading some of the other "Race from" threads and decided that although I don't count true NW it would be nice to look back and see it so I figured I would add it!  I am staying in this thread because the "Invested Total" is the column that I am tracking.

Code: [Select]

        401K        IRA Invested Total Home Value Rental Value Debt         Total NW
Dec-13 $43,660 $0         $43,660 $120,000 $120,000 $232,000 $51,660
Dec-14 $52,943 $0         $52,943 $125,000 $125,000 $227,000 $75,943
Dec-15 $55,622 $0         $55,622 $130,000 $130,000 $227,000 $88,622
Dec-16 $68,870 $700 $69,570 $200,000 $130,000 $281,000 $118,570
Dec-17 $96,294 $1,167 $97,461 $240,000 $135,000 $317,727 $154,724
Jan-18 $101,379 $1,212 $102,591 $240,000 $135,000 $316,332 $161,258
I am calling JAN 2018 as the official graduation from this race!!

New job started on Monday, new race officially starts today!

I might have called it a little early, based on the market over the last couple days.  Guess we will see what the end of the month looks like.

[marielle]

Joining! Starting at $10,935.

I graduated with a BSME in May 2016 and had a net worth of around -$29k before I started working in August, so it feels great to be in the black!

[grantmeaname]

Damn, that's some really impressive progress for only six months' time!

[marielle]

Damn, that's some really impressive progress for only six months' time!

It's 2018!