Race from 10 to 100k!!

[FIRE-ing in the UK]

Long time lurker, first time poster! I love following these races, it's very inspiring.

I track quarterly, so January liquid-y goodness is at £41,916 with a total net worth of £348,747.

Is it OK to join two races!?  :)

[grantmeaname]

Twice the encouragement! Hell yes it's okay!

I admire your big stack of quids and hope to join you up at that altitude someday.

[mustache you a question]

The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)

Thanks for sharing this repman, it's very cool.  Also, congrats to MrUpwardlyMobile on hitting 100k!

[FIRE-ing in the UK]

Twice the encouragement! Hell yes it's okay!

I admire your big stack of quids and hope to join you up at that altitude someday.

Why, thank you. Most of it is tied up in property though so trying to increase investments. You too will have a stash of cash higher than Jack's beanstalk :)

[MrUpwardlyMobile]

The median change in our spreadsheet for the month of March was +8,62%, despite the downturn. Excellent work everybody (except me..hahah)

Thanks for sharing this repman, it's very cool.  Also, congrats to MrUpwardlyMobile on hitting 100k!

Thanks. My net worth was like a rocket ship for 3months between end of year bonuses, a signing bonus from a new job, the federal tax refund, state tax refund and the fact I have a guaranteed return on investment in the form of paying down a huge student loan.

[Optimizer]

Hey

I would like to join. How does the tracking work? Should I write my NW into the sheets file myself or should I leave a reply here?

[Nederstash]

Aug 15: 5327 (found MMM)
Sep 15: 5775
Oct 15: 6964
Nov 15: 8551
Dec 15: 12085
Jan 16: 12700
Feb 16: 13691
Mar 16: 14818
Apr 16: 16220
May 16: 17510
Jun 16: 21149
Jul 16: 22024
Aug 16: 23325
Sep 16: 24285
Oct 16: 25400
Nov 16: 26932
Dec 16: 31121
Jan 17: 31444
Feb 17: 42849
Mar 17: 43989
Apr 17: 45143
May 17: 46766
Jun 17: 49646
Jul 17: 52567
Aug 17: 54267
Sep 17: 54565
Oct 17: 68832
Nov 17: 70574
Dec 17: 72864
Jan 18: 73227
Feb 18: 74628

Mar 18: 75981

[aoedae]

March 14 2018 - NW £41703.38
(Includes cash, S&S ISA, LISA, Pension)

[Hirondelle]

Hey

I would like to join. How does the tracking work? Should I write my NW into the sheets file myself or should I leave a reply here?

Usually you can just post it here. The sheets file is quite new so if you want you can also add it there to get the fancy calculations for our cohort like Repman has made them.

[Optimizer]

Alright then I'm in!
One day I'll meet the first ones in the graduate page.

"Starting" NW in USD: 17,538 $

I hope to make some nice gains even though I still study and life isn't very stable. Last fall I moved to Germany and gonna come to US for a semester in August. In addition to working I am able to leverage 1) scholarships and 2) lower cost of living for students.

[lexde]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!



3/15/2018: $12,926.94

[marielle]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!

3/15/2018: $12,926.94

You're on a really similar pace with me! I started with around -$29k in Aug 2016, now I'm at positive $14k. I try to aim for $2.5k/month as well. Salary is a little lower, $60k (should be getting a small raise soon), but I'm in a LCOL area which helps a lot. You'll probably surpass me though. Especially if I have to buy a car, which I expect could be any day now. I haven't been including my car in my net worth (which is probably worth less than $1500 as is).

[vertkurt]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!

3/15/2018: $12,926.94

Congrats on paying off the loans and graduating the 10k thread! I also save around 2.5k per month, so we should graduate from this thread at roughly the same time. Keep it up!

[M5]

Just graduated from the previous thread! Like a few others on here our NW seems to climb around 2-2.5k per month, so it'll be nice to have others in a similar situation. We don't own our primary residence and are only using the equity from our rental property and our liquid investments for our NW calculations.

3/15/18: $12,315.65

[adamsputnik]

Progress has been.....rubbish.

1/18/18 - 18,350.00
3/15/18 - 20,267.70

Recent vacation and the damn cat are to blame. Should look better next month!

[dolladoll]

I want to join!  I have been a lurker for a while.  I remember looking at this thread a couple years ago and feeling like hitting 100k would be crazy far away so I didn't even bother to track (silly me).

01/2017 - 34,422
02/2017 - 34,751
03/2017 - 36,638
04/2017 - 34,824 (bought a guitar)
05/2017 - 38,767
06/2017 - 40,531
07/2017 - 40,076 -new HVAC system & found out we're pregnant! - (aka you'll notice major savings motivation after this month)
08/2017 - 42,783
09/2017 - 45,991
10/2017 - 49,300
11/2017 - 53,685
12/2017 - 59,161
01/2018 - 63,584
02/2018 - 66,854

Should hit 70k this month!

[Serendip]

Welcome everyone--I am pretty new here as well, just been making progress since December when I snapped out of my spending coma.
It's encouraging to have a bunch of us with a similar savings rate..I have been working extra so might not have this savings rate all year but would love to see where I can land by the end of 2018.

Dec 18/17     18,146
Jan 03/18     20,624
Jan 19/18     23,607
Feb 06/18     25,073
Feb 20/18     27,000
Mar 16/18     28,600 

 (*need to stop saving in my accounts and focus on stashing extra for taxes since I made more than expected last year.  Will owe more than I have paid in installments--so far have a baby stash of $1500 for this and feel like I need to get up to at least $3000 to cover my bases-eegads)

[StiffUpperLip]

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

Total = £39,650

March 18
SIPP (Self Invested Personal Pension, Mr and Mrs)= £26,648
Emergency Fund (Cash) = £18,156

Total = £44,804

[twistedfirestarter]

£24,041 Apr '17
£26,105 May '17
£28,229 Jun '17
£31,961 Jul '17
£34,902 Aug '17
£37,596 Sep '17
£41,756 Oct '17
£45,885 Nov '17
£49,200 Dec '17
£53,000 Jan '18
£55,765 Feb '18

£58,840 Mar '18

On track for $100,000 by July and £100,000 by Feb '19, want to hit this by EOY 2018, need to make some changes.

[zygote]

Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.

I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.

Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)

I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!

[L2]

Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.

I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.

Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)

I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!

Welcome to the club!

[Hirondelle]

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)

Bad month due to market dip + a €400 holiday to Italy.

Edited; I just realized I forgot a 1000 that I have invested elsewhere. So that's actually an AMAZING month, not even close to bad. I don't even understand how that's possible.

Oct 2017 EUR 13400,-
Nov 2017 EUR 13900,- (+500)
Dec 2017 EUR 14300,- (+400)
Jan 2018 EUR 16000,- (+1700)
Feb 2018 EUR 17050,- (+1050)
Mar 2018 EUR 17300,- (+250)

Mehh due to lots of one-off expenses and my stocks are down. Still a little + though.

[spaniard999]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

[Trifle]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

Congratulations!!  You are totally kicking ass, and in a down market too.  Very nicely done!  Now go light up the next thread.  :)

[LittleWanderer]

November 2017 - $10,267
December 2017 - $11,208
January 2018 - $10,713
February 2018 - $11,869

March 2018 - $14,175

[Nederstash]

So happy to post this!

Jul 17  $67,374.44
Aug 17  $69,968.83
Sept 17  $73,228.83
Oct 17  $78,704.67
Nov 17  $80,862.22
Dec 17  $87,716.75
Jan 18  $92,747.41
Feb 18 $98,493.89
Mar 18 $104,485.65


Made it!!! Moving up to another race!

Well done!!

[zeli2033]

End of month update:

10/31/17: $7,686
11/30/17: $18,654
12/31/17: $24,407
1/31/18: $35,314
2/28/18: $42,150
3/30/18: $45,528

Thus begins the very slow climb out of student loan debt. Stash is not going to be climbing as quickly until that's crushed.

[vertkurt]

1/1= 14,705

2/1/18= 18,264

3/1/18= 21,225

4/1/18= 22,741

[Tass]

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 + ~$300 of reimbursements owed

Three paycheck month got me out ahead of the falling market again. This was also my lowest-ever spending month, excluding those where I visited my parents and got fed - though we held recruitment for my grad program which means I was often still fed for free. Spent <$100 on groceries.

Next month I'll be back to a usual amount of income for a while, so expect <$1000/month advancements until late summer.

[Serendip]

Dec 18/17    18,146
Jan 03/18     20,624
Jan 19/18     23,607
Feb 06/18     25,073
Feb 20/18     27,000
Mar 31/18     29,008

[Optimizer]

March 1:
14,180 EUR / 17,538 USD

April 1:
14,401 EUR / 17,757 USD

+1,25%

Slight increase during the semester break regardless of the decline in stocks. Can not complain I think :)

[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.

End of month NW: 56,190.70
End of year projection: 98,691.13

Had quite a few things going on this month...ended a relationship of 3 years, girlfriend moved out. Rent went up $350 a month as a result.
Bought some furniture off of ex that she owned.
Had to purchase some necessities for the apartment to make up for what ex took.
Stock market...bleh.
Bogus Uber charge of $234 that I'm still fighting.

I'm still feeling good about meeting my goal as I should have at least ~4k of extra income coming my way from various sources. Also going to concentrate on being more frugal than normal this month to help catch up. Shouldn't be too hard as I'm going to be spending  a lot of time at work anyways (tax season).

End of March NW: 60,017.55
End of 2018 projection: 98,683.37

The good - decided to take some of my house down payment savings and use it for some bank account churning (+650). Got project sale bonuses approved (+ approx 1500). Kept discretionary everyday spending down by about $300 from average.
The bad - realized I didn't remove my tax refund from my projection last month, so it was overstated by approx. 2,400. Then of course the stock market didn't really cooperate this month either. I believe I basically contributed 1,400 to 401k this month and the end of month balance is basically only 700 higher than the beg. of month balance.

[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.

With February officially in the books my net worth is sitting at $30,289.72. A pretty weak month compared to previous. Market losses along with some medical bills are the primary culprits.

Medical bills made March my least productive month in quite awhile, with only an increase of $1,438, leaving the ending balance at $31,728. My employer's quarterly HSA match came in. which represents almost half of the month's gain. My wife and I are expecting our first child in June, so I anticipate similar performance over the next few months... On a positive note, we've met our insurance deductible for the year, so the upcoming bills will be significantly less than they would have been otherwise.

[lexde]

Hi everyone! First post in this thread and I’m kind of amazed I’m even here. 100k seems so daunting. I have no idea what my goal timeline should look like to reach 100k NW. My NW seems to be climbing at about 2.5k per month on a 70k salary. At that rate, I’m looking at 40 months (3.34 years) but I feel like compounding should help significantly with that once I start to get some momentum going. So I’ll aim for 100k in 24 months as a stretch goal!



3/15/2018: $12,926.94

3/31/2018: $12,989.49 -- I managed to keep a positive net worth even with a pretty spendy vacation this month, so I'm happy about that!

[dutty]

What can I say, just the most insane month for me financially. It is likely the most money I will make in a month purely from income for a long, long time. I was able to pay back the loan to my parents and fill up my S&S ISA just before the deadline so I am super happy about that.

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%)
02/18   £25,500  (+£4,200 ~ +20%)

03/18  £48,800 (+£23,300 ~ +91% )

[grantmeaname]

DANG.

[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
03/18 - 97,342
04/18 - 100,214

Barely crossed 100k.  Might be back after this month...but hopefully you guys won't be seeing me again in this thread :)

[marielle]

Feb 1: $10,935
Mar 1: $12,472
Apr 1: $13,644

Making progress despite the downturn. I invested $3k a week or so ago and the immediate 5% drop was a little painful. Still getting used to that as a newbie investor! Rationally, I'm happy because stocks are on sale though.

However, in other news it looks like I'll be graduating this race sooner than expected because I'm getting married in May! How do you guys even handle that here!?

This is going to take some getting used to for sure. We've already been saving for FIRE together for the most part since graduating university, just haven't officially combined the numbers. He's been working a year longer than me and didn't have student loans other than one semester of grad school (compared to my $28k), so naturally he's ahead.

Oh and... we're going to the courthouse during our already planned New Zealand trip (paid for with points, of course), so I think it passes the mustachian test.

[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
3/1/2018 $83,679.47 (stretch goal of June for graduation - fingers crossed)

4/1/2018 $84,367.47 (market hurt me this month - June is probably not going to happen now, oh well)

[zygote]

Hello! I am new to MMM. I'm 28, recently married, and we maintain separate finances. The goal is to be in a strong financial position to maintain flexibility in the future, not necessarily RE. I have a job that I love with amazing benefits, so I am not in a hurry to retire. But as you all know, that could always change.

I have always lived below my means in that I have never held any debt, but I've never really saved. I was a grad student living on a lean stipend in a HCOL city until a year and a half ago. I'm still in the same HCOL city, but now I have a real salary, a defined contribution retirement plan, and access to 403b and 457 accounts.

Current net worth: $48,533.91
Breakdown below...
Cash: $17,747.04
Retirement plan: $18,702.39
403b: $679.16 (Just opened this 1/1/18)
Roth IRA: $11,736.04 (Did not open this until 2016 tax year)
Credit card: -$330.72 (Use this for normal expenses, pay off in full every month)

I was over $50k a week ago, but of course the stock market is going down at the moment. Shares on sale!

I'd like to start progress reports at the beginning of the month, so here goes. A big jump from just a week ago because March was a 3 paycheck month for me and I got a big tax refund (my tax situation changed a lot last year).

3/18: $48,533.91
4/18: $53,215.13

[Tass]

Congrats marielle!

[LittleWanderer]

Congrats on the upcoming wedding, Marielle!  I guess if your combined networth is over $100K, you just hop over to the next thread and track everything combined?  That's probably what I would do.  I'm not married though. 

[M5]

Just graduated from the previous thread! Like a few others on here our NW seems to climb around 2-2.5k per month, so it'll be nice to have others in a similar situation. We don't own our primary residence and are only using the equity from our rental property and our liquid investments for our NW calculations.

3/15/18: $12,315.65

4/2/18: $12,849.33     not great improvement this time. bought plane tickets, vehicle registration, etc and dipping markets.

[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
1/26/2018: $87.k Investments/$84.1k Net Worth (Down due to property taxes and change in Zillow for house
2/23/2018: $87.5k Investments/$88.3k NW
Original Goal: graduate this thread by March with NW.

4/2/2018: $87.5k Investments/$95.3k Net Worth (Up due to Tax return)
Hopefully this moves to the next thread in May.

[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.
February 2018: $14.3K - Investments ~$43.9k.
March 2018: $16k - Investments ~$44.2k
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  March 2018: $17.1K - Investments ~$45.2k.

[repman]

Nov 2017     65.000€
Dez 2017     69.000€  a frugal month and a christmas paycheck !
Jan  2018     73100€
Feb  2018     74100€
Mar  2018     57300€  some expanses and bad investment decisions
Apr 2018      58800€

Don't forget to enter the speadsheet!

[Trifle]

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
03/18 - 97,342
04/18 - 100,214

Barely crossed 100k.  Might be back after this month...but hopefully you guys won't be seeing me again in this thread :)

Congrats @mustache you a question !!! 

[peppermint]

01/2018: $40796.81
02/2018: $41337.51
03/2018: $42682.42
04/2018: $46138.41

Getting there.

[ASW]

Hey guys,
First post.  31 years old, married with 3 young kids, single income (military family).  Had ~$150k combined student debt out of college, which took a few years to pay down.  Found MMM and got serious about finances in January 2018. 

Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)

We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up.  Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).

Glad to be doing this with all of you!

[M5]

Hey guys,
First post.  31 years old, married with 3 young kids, single income (military family).  Had ~$150k combined student debt out of college, which took a few years to pay down.  Found MMM and got serious about finances in January 2018. 

Net worth (includes emergency fund, misc. cash, retirement accounts, and other investments):
1/1/2018: $38,800
2/1/2018: $49,800 (used tax refund to pay off family car - now debt free)
3/1/2018: $55,707
4/1/2018 : $64,352 (sold second car)

We are hoping to get to $100k by the end of this year, but we are moving to a new state in a few weeks, so we may have a couple expensive months getting set up.  Our spreadsheet indicates that we don't have a lot of wiggle room if we want to achieve this goal by then (unless we get some help from the stock market).

Glad to be doing this with all of you!

Those are some impressive numbers for such a short amount of time! Welcome and congrats!